Anfieldbabe
You appear to have so many financial problems at the moment, I really do feel that you need to sit down with a professional and go right through your finances. I note from an earlier post that you have a meeting booked with the CAB, so make sure you get the most out of that by having a detailed list of your creditors with an income and expenditure account showing what, if any, you can afford to pay on am ongoing basis.
This forum cannot really give you definitive advice about your situation, as we only see snapshots and snippets of your circumstances.
Tell the mortgage company you have a meeting booked with the CAB to discuss your finances, and that you will revert to them after that.
Regards, Melanie Giles, Insolvency Practitioner