Hahahahaaha
If the "Have you been a refused a loan or got bad credit" people won't touch you, then you're in pretty dire straits. If the loan was taken out at (say) 8%, then moving it onto an 18% credit card is a bad move, especially if you credit score is so bad that the credit card people won't touch you.
Your account won't have been frozen either, it'll be racking up interest and missed payment fees month by month. If there's a debt collection agency sniffing around too, then they'll want their fee too.
£4k is not an insubstantial amount. The longer you defer too, the more charges rack up, and the more likely legal action will be taken to recover what money they can. Debt collection agencies and banks don't care about you, they want your money back.
Right now, you have a large number of debt payments showing as unpaid. That does horrible things to your credit score. You can carry thousands of pounds in credit card debt, loans and overdrafts, but keep making they payments and show you can handle the debt, then you'll keep a good rating. Miss payments and you're stuffed.
Get it paid back, get something formal in place and you can recover. Go speak to debt collection people or whoever you took out the loan with in the first place. Get the dogs called off, and get payments restarted. It's not in your interest or theirs to have unreasonable payment terms, so something smaller which you can *and must* keep repaying over a longer term will earn them more money, and mean you have the possibility of getting a mortgage or any form of lending in the future.
Keep running, and chances are you'll never be able to get a contract phone, let alone any other borrowing in the future. Yes, you'll probably have to sell stuff and/or go without lifes luxuries now - maybe move back in with the folks - but it'll give you a future. That means no new bikes, blu ray players, iPod touches, King hubs, etc... If you're buying that stuff, why arn't you repaying the loan instead?