Couple Wholesaling questions

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Hi everyone - I have a couple questions I'd love to get answers to:

1. What are points when talking about Hard Money Lenders?

2. What kind of lists am I getting when marketing for sellers? Which locations, price range should I be marketing to?

3. What are the equivalent of title companies in UK?

4. Can you assign a contract in the UK?

5. If property is on a mortgage with 30k equity [100k ARV, 10K deposit, 20K payments] - what would happen if Cash Buyer bought the house? How would everyone get paid?

Thank you bigger pockets and the community,

Arash Zandi