Christians Against Poverty (CAPuk)
CAPuk is a debt counselling charity that offers local life skill sessions and money courses as well as debt help. They have been offering their services since 1996 and are funded by voluntary donations from creditors such as banks, government and loan companies as well as donations from individuals.
If they think that you could benefit from a debt repayment plan they will walk you through your debt options.
There are other organisations in the UK that also offer free debt advice.