Thanks again everyone, I went to the docs yesterday and got the happy pills, he was lovely and really supportive and made an appointment to go back and see him in 2 weeks. I told my staff what is happening and they have been really supportive too. I called a business debt advice line today and they talked me through everything and then things didn't seem as bleak and they are sending some bumf through the post with advice on which debts are priority too. Luckily I have a lot of equity in my house so he says I'm not insolvent which is what had been preying on my mind the last few days. I am thinking of selling up and down sizing, I think I need to make a fresh start as I feel more depressed in the house than anywhere else!
I have written a letter to the council telling them exactly what I think (politely of course) about them reducing my council tax benefit and a letter to the bank to get them to repay some of my charges for going over my limit (which I wouldn't have done if it wasn't for the charges!). We can but try!
I am just taking it one day at a time and trying not to worry about next week.

s to you all. xxxxx