Hi, are you employed by any chance? If so, your employer/manager can complete your reference for you. Rather than the reference focusing on the academic side (although they can mention this), they would focus more on your skills, qualities, and personality which would support your ambitions to study a particular subject and also that you will be able to cope with the demand of university level study.
I hope this helps. If not, I would email all the universities you are thinking of applying to and ask them if a reference is compulsory. I believe for some courses that a reference is not absolutely necessary in order to apply so this may be worth a shot.