Elcato, many thanks for your reply. 'I already know what will happen if I stay' means that as you explain, I will have to get a small apartment but unfortunately I can't afford monthly rent / deposit due to the sheer amount of money going out on debts each month. Renegotiate the debts and it could be double the time before I have a half decent life. As I said in my post, I need to explore every option available to me. I am not going back to the UK purely to go bankrupt, all my friends and family live over there and I have been offered jobs if I go back, similar salary to what I am on here taking into account currency. My partner does not work, and I would gladly give her the house, but she couldnt afford the mortgage.
Thanks again for your input, much appreciated