My deepest sympathy. I owe £35k and a few grand on plastic.
Be totally honest with your Bank Manager. Like the others say it is in his interest to help you.
And as Skidsolo says sign up to Moneysavingexpert.com there are plenty of ways on the site and so many tips to help you save a bit here and there. As well as a a lot of knowledge in this area in the forum section.
Good Luck
GB