Did you have any redundancy pay? If so, you can use this to fund your living expenses whilst looking for another job, usually for up to six months.
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
You could probably negotiate a payment break of up to 12 months, by way of a variation meeting, but given your lack of assets then perhaps bankruptcy proceedings are also worthy of consideration at this stage.