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Mortgage Arrears Penalty Charges Have I missed the boat


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I am in a financial mess and have buried my head in the sand for so long, marriage breakdown, job loss, health issues, everything has got on top of me, but today I want to try and sort this mess out and looked on here for some help...I have mortgage arrears and have entered into various payment plans which they review on a 3 - 6 months basis, if I don't take the call they start charging the penalties again even if I still pay the agreed payment...I sometimes avoid the calls as the anxiety of talking about it is too much. I don't see a way out of it as the peanalties are mounting up to almost as much as the arrears were....i saw on the forum about reclaims for unfair charges and also about hardship reclaims but most date around 2010 - 2012 so was wondering if I've missed the boat to try to reclaim some as this would help reduce what I owe and possibly start to help me get on right track. Any advice most welcome.

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