Unpaid personal loan, unemployed

Hi, when I was working in Bangalore, I was pestered by this new bank to take personal loan from them, finally I relented (big mistake from my part), so loan was given just based on my salary slips. I had been paying regularly for 15 months Rs.7500 every month. But my company closed and I had to quit. Then I met my husband and he brought me back to UK to settle down. I had inform the bank that I could not pay and didn't hear from them for 4 years, until recently when they visited my widowed mother and threaten to take over her property and involve police. I called them up and try to reason on a smaller settlement as due to recession I didn't get job since I landed in UK and my husband also lost his job, we are living on the goby benefits system and also have a disabled son. I asked them for time to try and get at least just 50% of the amount from friends n families but they would not listen, now they say they are sending a legal notice and will extradite me to face jail. I'm so scared and petrified, I cannot afford to fly to India, please advice what to do, most appreciated.