Hi jules and welcome to the forum
I assume that you have the Northern Rock together loan package for the £25k unsecured debt.
It is a shame that you cannot find anyone to represent you with regard to your Northern Rock debt. There are still a lot of IP's who will look at Northern Rock cases, so don't give up, and if your ex-partner is going to pay off half of the balance, then this reduces the exposure to Northern Rock and hence the possibility of rejection.
Could you afford to remain in the property, and offer to pay sometjing to your creditors - you don't say how much you owe to other lenders, or is Northern Rock your only creditor? Please post more details and then I or one of the other experts can possibly help further. Also do bear in mind that given the ages of your children, they may leave home and start working over the next few years, so you will lose child benefit and any maintenance paid by your ex-husband - so you do need to consider that when thinking about the future.
Regards, Melanie Giles, Insolvency Practitioner for over 20 years.
For further details contact me at
http://www.melaniegiles.com and view my IVA blog at:
http://melaniegiles.blogs.iva.co.uk