Veloxuk is right about contacting your creditors - they should all be helpful as they are members of the BBA and have committed to helping customers in trouble.

An IVA won't be any use for you as you do not owe enough and effectively only have one creditor.

If A&L don't play ball you could consider a debt management plan but if they won't play ball with you they probably won't with a debt managemetn company.

given that your credit rating is already damaged you could consider bankruptcy - look on the Insolvency Service website for more details (they are a government department so the advice is free and spot on)

Veloxuk is wrong to say that you can do everything that an IVA company can do - to do an IVA you need the services of a Licenced Insolvency Practitoner - they hold professional exams and are regulated - so veloxuk you can't do an IVA yourself.