Response to Mortgage Arrears

Get onto your local Citizens' Advice Bureau straight away. I would hope that because Nationwide paid the ground rent, that you owe the money to Nationwide as part of general arrears, and, when you go to court, Norgan rules will apply. That is, as long as you present the court with a realistic plan to pay off the arrears in the long term (even if it's over the whole term of the mortgage) you will be allowed to stay in your home. *Don't* ignore the court hearing - it's your chance to go and sort this out properly, and to come to a realistic and amicable arrangement you can stick to. But like I say, the CAB can tell you the full story - I'm just repeating what I've read over the past year or so, and can't advise you properly. Good luck.

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