New To Cancelling D/D and Already Made Mistake - HELP !

RAS

The OP may well qualify for a DRO which is free. 

The first thing though is to cancel those DDs and then work out a sustainable budget based on their pension incomes. 

That may also mean a benefit check in case there are other elements that have not been claimed. Sometimes getting a few pence on one benefit allows the beneficiary to access other benefits, perhaps in kind.

ManyWays

Lets see the Statement of Affairs, a joint one for both of you is easiest.
Bankruptcy or a DRO may well be a sensible option to just clear the debts out of the way as, sensibly at your age,  you do not care about your credit score. 

oneofnine

Thanks RAS and Manyways , but the plan of action we have so far seems the least upsetting to my husband .DRO and Bankruptcy sound official and turn him into a wobbling wreck , bearing in mind , he is already fragile .I know you have sound advice but doing nothing at present is best for us . 

sourcrates

You might want to try asking for debt write off`s due to your husbands medical condition, for his debts at any rate.

Have a look here:

Debt and Mental Health Evidence Form. StepChange

RAS

That's also an option. Given how long your husband has been unwell and you are on pensions.

Give it a go, but expect that you'll need to go to the ombudsman.