Don't Panic.
Oh well. Lydia beat me to it.
You have gunk (Bug) in the bowl of your fuel filter,
That DOESN'T mean you need to remove the tank and buy a new one.
It means the filter is doing its job.
For information about the gunk.
en.wikipedia.org/wiki/Microbial_contamination_of_diesel_fuelGet a 12 volt self priming pump. This pump is what I use to pull the engine oil out when I do a change.
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Turn off fuel cock if it comes from the bottom of the tank
Fit a hose that goes to the bottom of your tank.
Pump out from the bottom into old 2 litre coke bottles until you get all of the water and gunk out.
Hopefully there is not much.
Now you have no water in the tank.
Remove all of the fuel in to Plastic 18 litre jerry cans.
Now you have an empty tank with a small coating of gunk on the walls of the bottom most section.
Leave it that way for as long as you can. You are trying to kill the bug by altering the environment in the tank.
Add 10 litres (or so) of fuel and load up with you favorite treatment.
Leave for as long as you can ( a week or so)
Pump out or drain the fuel and you should be back in business.
I have never heard of Lydia's reverse flow fix, but it sounds like the way to go to ensure a clean fuel future.
Now, if initially when you pump out the tank and end up with (pretty) clean fuel, it will be as Lydia suggested.
You only have bug in the water bowl to deal with and that is simple.
All the best
Gary