Your first port of call is to go to your GP. Tell him/her how unhappy it's making you feel, and, if they believe it's having a psychological impact, you will then be referred to a surgeon.
The surgeon will examine you, and will recommend one way or the other whether you're a good candidate for surgery. He/she will then write back to your GP with the recommendation. Assuming it's a 'yes', your GP then writes to your local PCT to ask for funding. The final 'yay or nay' will come from them - if they agree to funding then the op will go ahead, if they don't then it won't.
After having two kids, spending most of my twenties very overweight, losing six stone on cd, then maintaining for two years, I went to my GP last year. My stomach is a mess, with a big wrinkly 'apron'. I was referred to a surgeon, who said I was a very good candidate, so recommended me. Unfortunately though, my local PCT turned me down, as they said they weren't currently funding 'cosmetic' operations. It's frustrating, as it really isn't cosmetic as far as i'm concerned!
I live in Coventry however, and I know there are other people on here who have had the go ahead from their local Trust, so it really is a postcode lottery in that sense. It certainly wouldn't hurt for you to go to your GP and give it a whirl.
Hope that helps!
Jo x