Missing A Payment

So far I have no arrears on my mortgage. This is mainly because about four years ago I fell about three months in arrears and was then pressurised by the mortgage company to clear the shortfall in the shortest time possible. This meant me falling behind with other debts.In order to clear various utility bills it seems that I may have have to miss a month's mortgage payment.I expect the mortgage company will soon be on the phone to me asking when I'm going to clear the arrears.What real penalties will I face for falling one month behind.I have a regular salary, but unfortunately do not get the chance to do overtime or gain any additional income. I Know I will be able to pay back the shortfall eventually. I just don't want to be intimidated into paying before I can really afford to. Any advice?

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