Speak to a money advice or debt advisor. You should be able to find one at your local Citizens Advice Bureau or through your local council advice shop. Best thing is they're FREE - they don't charge a fee.
You don't need another loan - that'll just put you further in debt. A debt advisor will help you negotiate with your creditors to arrange a payment plan you can afford.
For more information on your options visit
National Debtline It's a national, independent organisation that offers FREE advice.
Debt consolidation loans and consolidation companies offer the same service as a CAB debt advisor, but they do charge fees.