Do you live in France? Or is your main residence in the UK? Could you possibly post a little bit more about your circumstances? One of the technical experts would be able to advise you further.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk