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1 - Find out if you qualify for a Mortgage Rescue Scheme.
2 - Open all letters and reply promptly in writing.
3 - Face the music. Every day you delay, lenders will add charges to your arrears.
4 - Tell your lender about your personal circumstances in writing.
5 - Send your lender a personal financial statement of your income and outgoings.
6 - Your mortgage is a priority debt. Treat your arrears situation seriously.
7 - Make small token payments to non-priority debts like credit cards.
8 - Do whatever it takes to clear your arrears: sell unwanted items or take a lodger.
9 - Claim all the benefits and insurances you are entitled to.
10 - Go to the Court Hearing and take your financial statement with you.
11 - Offer to pay your monthly payment PLUS an amount towards your arrears, however small.
12 - Show in writing that your arrears will be paid off within three years or less.
13 - Ask family or friends to help you and make sure you pay them back.
14 - Get help from the Citizen’s Advice Bureau.
15 - Do not hand over the keys to your house. Your debts will increase.
16 - Avoid taking on a re-mortgage or taking out another loan.
17 - Ask your lender to consider reducing your current monthly payment.
18 - Behave honourably and stick to the terms of any agreement you negotiate.
19 - It is better to pay regular amounts monthly than make large one-off payments.
20 - Visit HouseSale2day.com or call free on 0808 192 0000.