Gracie, well done for trying to tackle your debts. After you do the money makeover you'll hopefully get some good advice.
Don't let the banks demands get to you. You must sit down and write a letter back to the bank outlining your circumstances and include an income and expenditure sheet. You can also ask the bank to stop applying interest to the loan, if you don't ask you won't get. You can ask them to stop harrassing you, write that their letters are really upsetting you. In Ireland we have MABS, they must have something similar in the UK, an agency that will negotiate on your behalf with creditors. The agencies have long standing arrangements with banks and credit card companies to help people like you. Do not speak to the bank on the telephone, always correspond in writing by registered post.