Your new sponsor isn't tell you the truth. You cannot get a new visa within 12 months, whether through transfer, or through cancellation and a new application.

Try to find a guarantor. Or sell whatever you spent the 350,000 on and use it to repay what you owe for the bank. You will not be able to leave the country until you settle the loan. There is no magic solution unfortunately - whatever you borrow you must return.