C&G v Norgan - Court of Appeal - 14.12.95 - Starting point for repayment of arrears of mortgage is the balance of the mortgage term.(posted 8609 days ago)#20,000 arrears - 20 years left on your mortgage - #1,000 p.a. (div.x12)(plus interest) on top of your normal mortgage payment - is the starting point.
Good luck - Vic