You seem to have a good acurate estimate of what you owe. This is good

You're left with £400 a month after you have paid you debts. Is this enough to pay for your rent/ food/ travel/ electric?

Do you own your own home? I think you'll be able to get a loan for £20k fairly easily if you do.

If you don't own property, you're not likley to get a loan to cover all you debts.