Here are a few useful links you might want to take a look at.
The debt test from the Financial Services Authority (FSA) is a great way to find out about your money situation and get a better idea of where you are with your debts. www.moneymadeclear.fsa.gov.uk/tools/debt_test
You can get free, impartial and confidential advice at these sites:
To find out what information the Credit Reference Agencies hold about you, just contact the companies below. You'll also find ways to view a copy of your credit file.