Advice Services
If you cannot resolve the problems, then there are groups who will help you. They may simply give advice and refer you to other people; or they may get involved in your particular circumstances.
The Citizens Advice Bureau are invaluable giving immediate advice and help. They may also refer you to others who are specialists in helping people with your particular problems.
The National Debtline group also give advice and will tell your legal position, what your rights are etc.
The Consumer Credit Counselling Service can provide you with free confidential advice and support.