If you don't own your home or have any assets worth over £300 then a Debt Relief Order might be ideal for you. Costs £90 and as long as you have no disposable income over £50 a month for a year then your debts will be written off.
Speak to CAB or Payplan or CCCS for advice on this.
Follow through Make your dreams come true Don't give up the fight You will be alright 'Cause there's no one like you in the universe