Hi after some advice please. We are planning to let our house be repossessed by NRAM after falling behind with payments to save for a rental property. NRAM agreed to let us pay a reduced monthly payment for three months which we did, we have now completely missed last months and have had a few phonecalls asking us to get in touch etc. but we haven't. Two weeks ago we recieved a letter from a solicitor/recoveries company acting on behalf of NRAM saying that we had fifteen days to respond and clear all the arrears or they expect to be instructed to issue possession proceedings against us. We t
