Hi At present it would only be £50 a month on top of the set monthly payment. I still haven’t received the info I asked for from them regarding the arrears. I will look through my paperwork over the weekend to see if I can see the amount.

Good morning Ell-enn I have completed the budget sheet you shared with me yesterday. Can you please advise what you would like me to do next. Thanks

Thanks for your help Ell-enn I’ll get the budget sheet completed tomorrow when I can access my PC & let you know when it’s done. Our primary mortgage is in my name only, the second mortgage (secured loan) is in joint names.

Yes I pay £50 per month on top of my monthly mortgage payment on the primary mortgage.

Apologies for the lack of detail first time round. Bit of a panic post. I owe £15,123 of a £45,000 loan that comes to an end on 28th Feb 2029. I don’t actually know the amount of arrears. I asked for a statement today. My repayment plan previously was £350 including around £33 towards the arrears which I offered today but they won’t negotiate. I’m not in a financial position to make a lump sum payment only monthly payments. My primary mortgage has 3 months arrears on it. I only have 2 years remaining on it and it will be paid up to date. I realise I should have spoken to the lender once I couldn’t meet the payments but I stupidly buried my head in the sand. Won’t ever do that again.

Hi there I fell into arrears with my second mortgage back in 2012 & the lender got a suspended possession order. Since then I have made repayments on the account but not regularly due to my circumstances but I have always spoken to them so they are aware. I have only made one payment in 2023 with various health issues & a reduced salary but haven’t spoken to them. I called them today as they have sent me through a letter advising they are applying for a warrant of possession to talk to them about a repayment pla, n to be told that they are proceeding with litigation so to get a solicitor. I really need some advice on next steps or who to speak to as don’t know what to do. can anyone please help?