I recently re-mortgaged with Barclays to reduce my monthly out goings and to clear an arrears amount which was due to ill health.   Four years ago I was made redundant from work and then had a heart condition which meant I couldn’t work for a couple of years. went on to interest only, and in all this time I never missed a payment. two years ago started a new business and started to get the arrears down paying a substantial amount on top of my repayment figure.   After ab