Reviewing this site pose a conundrum to me (other than how to write the word conundrum): on the one side they seem to be a legitimate site for IVA advice, with a long standing domain registration, a physical address and even an entry at the Office of Fair trading (which seem to be the equivalent of the Better Business Bureau). On the other hand there are other sites with the same profile – debt relief – which refer the same physical address but are hosted elsewhere (in Germany for example).
I can’t draw a definite conclusion about this. I’m not from the UK and have zero familiarity with the UK law. Probably the only advice I can give at this moment is to try asking your close family or your trusted friends. I imagine that it is painful to do so, but this is the only source I can think of where you can get money without the exorbitant rates asked by payday lenders. All that I can do is hope that you prevail, since I have a deep belief that as long as you have determination, you will find your place.
Full disclosure: this is a paid review from ReviewMe. Under the terms of the understanding I was not obligated to skew my viewpoint in any way (ie. only post positive facts).