It's hard to work out from your message whether there are any arrears or not. If there are, you're better off paying them. If there are not, why does the Britannia think there are?(posted 9236 days ago)I think if the answer to the latter is that they have cocked up you're better off giving the Association of Mortgage Borrowers, ( 0171 923 7700 ) a call.
If they haven't, you're better off trying to pay them off over whatever period you can afford. If there are arrears, then offering to pay them off over whatever period you can will be enough to stop most judges giving a repossession order. See the Judges View page in the Arrears section of the web-site.
Regards, Lee