I've really run myself into problems over the last few years; and it's all finally hit.

Currently, my personal income has dropped significantly.

I've been unable to pay my minimum payments on my debts, and have set up a Token Payment Plan whilst I hopefully manage to sort myself out. This will be reviewed in April.

My real issue is in the next month or two.

I am currently in arrears on my tax, and am having trouble paying that. And the big issue is on top of that I will be due to pay my tax at the end of January.

As I am in arrears there will be no option to set up a payment plan. I have no savings, will be unable to get credit and have no assets.

Could anyone offer any advice on my situation? I'm pulling myself out from a bad place and hope to be able to improve my income situation very soon.