Hi, wonder if anyone can help me. Received a letter from Kensington that they're going to start possession proceedings for arrears on our mortgage. We currently owe them £11,087 made up as follows: 2010: £2,296, 2011:£6,186. 2012:£186 and 2013:£2418. We have been in contact with them and have had arrangements with them to pay the contractual amount plus an additional £150.00 a month. In 2012 we managed to maintain that as well as in 2013. The arrangement we had with them was being reviewed on a quarterly basis and in November it was agreed that we would pay an additional amount of £190.00 to be reviewed in April 2014. Due to a death in the family we ere unable to make the November payment and on the back of this we have now received this letter for court proceedings from them. We have now made the monthly payment for November and December and also written to them letting them know that we will pay the additional £380.00 in January. We've also asked them if its possible for us to resume with the arrangement made in November and avoid going to court. We have not heard from them nor received a court date, but this could be due to the Christmas holidays. The arrears amount is now £8,624 which is pretty much relates to 2010 and 2011. We're really worried that they will not let us continue with the arrangement and we'll have to go to court. We have kept in regular contact with them over the years and have always tried to maintain whatever payments they've asked from us. We would really appreciate any help or advise you can offer in how we should now approach them. We still have a long way to go on our mortgage and on the current amount they were asking for would take us approx 4 years to clear. Please any help would be greatly appreciated