(((Hugs)))

IDK about the UK, but I do know that the last thing banks in USA want to do it manage real estate/ repossess a home. They don't make money that way.

Here in the USA you can often go to the bank/creditor and renegotiate the purchase price even, knocking it down to an amount less than what you currently owe, but more than the bank would get in foreclosure. Refinancing also usually delays the first payment for 6 weeks.

I hope you find help, and keep your home.