You have a number of options, ranging from going bankrupt (meaning that you could accept any gift after you get discharged after 12 months without creditors being able to lay claim on it) to doing a Debt Settlement Arrangement under which the bank is likely to accept a modest amount (financed by your mother) in full and final settlement. Indeed, if the bank is your only creditor, you would probably not have to incur the cost of a DSA and just have someone negotiate directly with the bank and do an informal settlement.
Jim Stafford