If I am reading this correctly, you are earning 2000pm after tax and if you take out the HFC loan, you will be paying back per month almost 1200 on debt repayment, including mortgage, CU loan and HFC loan. Even if you go elsewhere you are still going to have only 800 a month to pay household bills, food, run a car etc, which is not a lot
However, full marks for having still got some savings together and trying to sort this out now rather then later
Have you consider opening a UB current account since your mortgage is there, on the basis that they have given you a mortgage, they may be more open to giving you a loan
Also why not consider using some of your savings to clear the credit card and then cut it up
It would help if you could increase your income, is taking a lodger in an option or a 2nd part time job for a couple of years?