I'm certainly not saying don't go and see someone.
Though with a mortgage that high and if the room rental (hadn't noticed that) is not covering it then moving to somewhere where rent is 400 quid a month is saving 600 quid straight off. If there is money in the house it releases the cash.
Also 4yrs no job? Has she tried supermarkets? Cleaner? Etc.. Not as glorious as her original job, but needs must.
None in the area, move when going to a rented place might help this.
My friend was left with a similar debt (divorce), but she still had a paying job and went the IVA route after advice iirc.
She managed to keep the house, but only as she earns enough to cover the mortgage and never missed payments on it. She got advice straight away though.
Sell up and move somewhere much cheaper ?
doesn't necessarily work, mortgages are cheap debt (or should be) as unemployed won't get another mortgage, renting may or may not be cheaper as generally rental returns enjoyed by landlord higher than interest costs.
Anyway, must have a plan where cash out is sustainable and matched by sources of cash even if from savings. If only increasing debt (which it sounds is what has been happening on credit cards) then long term it doesn't work. It does sound that long term the sale of the house and repayment of expensive debt is required but first things first need to get some breathing space. As said CAB etc.