Help! Trying To Get A Repossessed House Back

ChrissieB26

Hi
Really need advice and hope someone can let me know what to do next.

Here in summary is my situation,. I went bankrupt in 2013 and discharged in 2014 my home was revested back to me from the Insolvency Service - I live in Northern Ireland by the way.

I had several properties here and in England and lost them all through the Bankruptcy - when I was buying 2 apartments in England in 2007 the apartments were valued at approx £30,000 less by the valuer and as I had already paid a £10,000 deposit I decided to put a second charge on my home I used Swift advances - given bad advice as my credit rating was excellent - anyhow I borrowed £30,000 it was interest only I had paid approx £26,000 at time of bankruptcy the debt continued to accrue interest and charges and now stands at approx £48,000.
Swift repossessed my house in June and in July I discovered I am entitled to a small pension from a company I worked for in !984 it has grown to £23,000 and with the new pension laws I am able to lift this in November 2015 when I turn 55. I approached Swift to see if we could come to an arrangement.... I discovered the house had been agreed for £120,000 I owe approx £112,000 to Woolwich meaning that Swift will get approx £8,000.
I explained about my windfall and they said that I could write to them with an offer and that it was suitable they would collapse the sale.
I offered £11,000 I ow Woolwich approx £2000 and the heating system in the house needs replaced. After them getting copies from Pension Company and assurances that Woolwich is not going to repossess the house if they come off the mortgage they came up with 2 offers
1. That I pay them each month to reduct £48,000 but that the interest would be frozen. When I didn't accept that they said that they would leave the £47,000 on the mortgage as a passive charge that would not accrue interest and would be paid off when the house would be sold. I refused this as well as the house would still be in negative equity if anything happened to me and I don't want to leave my partner in that situation. They informed me that they had made two offers and as I had declined both they were going to proceed with the sale and come after me for the outstanding amount - well I don't have anything and I am on a low wage so their only option would be to bankrupt me again but obviously they won't recieve any. That was on Friday 28th August.
I wrote to them on Saturday offering them £13,000 and saying that I would accept a £7,000 passive charge on the house. They have said that they will not agree to this and would accept the £13,000 and would still want the amount left after this was paid approx £35,000 left as a passive charge. I again didn't accept this. Is there anything I can do. What I am offering is more than they are getting from the sale - is it just a case of they are cutting their nose off to spite their face and there is nothing I can do. Any suggestions would really be appreciated I would love to recover my home and this pension seemed like a miracle but I just can't bear for my hopes to be dashed. I do understand that I will have to accept it but am hoping that there is still a glimmer of hope.

Thanks