Darco31.
If you are paying 100 per mth it is highly unlikely that the worst scenario ie your home under threat, will happen.
On k11 , it is unlikely that Bank will force matters that far.
Can I suggest contact Bank and honestly appraise them of your situation and ask for their advice in sorting. Make sure you keep copies and try to only contact in writing. Phone calls are too open to missinterpretation.
Some Banks are more pragmatic than others and you could meet a (twit)
The Bankers function is to squeeze as much as they can from you of the k11.
If they come up with a workable and it MUST be a final and sustainable solution for YOU, go with that , but DO not agree to it at that meeting.
By all means call to MABS , you should get good advice there.
Please , do not feel too bullied or stressed over this.
Remember it is also in Banks interest to get closure, without legal hassles.