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I have a mortgage from bank of scotland which I've had for almost 8 years now and had in past been in arrears minimum and always cleared them. Past 2 or three months money has been an issue due to work problems and reduction in tax credits etc. I have got in arrears they arent a great huge amount, I have managed to pay full payments month then miss then make up again. I have had problems this month and unable to pay which now takes the arrears back up to 445.00. I have now sat down and worked out all my income etc and can start from scratch with monthly payments are normal from October 2011 with addition payments of £20.00 forthnightly towards the arrears. Do you think they will accept have the few arrangements I've had and broken? Or will they now start procedings and if so how long does it all take? Im very worried.


Thanks so much in advance and would appreciate a quick reply I seriously need to calm these nerves.



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