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  1. Hi I have a mortgage with BOS I have been in arrears since 2011 and didn't pay at all for a year or so stated payments again in April till July then missed aug and sept then set up new arrangement and paid two In October and one in November the direct debit will be missed on 30th as I don't have enough but it will be in my bank on 5th jan will they retry or is it best to call and explain? My arrears are 9800 Thanks
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