Have you tried the credit unions… they usually don’t credit score and they gave me a loan at very low interest when I already had 5ccjs and a very low credit score. I never paid them for 2 years when my circumstances changed and they never added interest or charges (just finished paying them back now).
Also can you not just get your missed mortgage payments added to term of mortgage (I’ve done that before as well)
Council tax took me to court and just made arrangement at the court
Water board took me to court and secured there missed bills against my property (2 years or so behind).
yup been there myself (not through gambling, missus left me with 3 young kids to bring up and I struggled going to work) – took ages to get sorted.
on the plus side, there’s no debtors jail
good luck
byronmiddleton