My partner and i recently recieved a letter from Ptsb to say our arrears amount on our mortgage has been passed on to an external debt collection agency (Cabot Financial). We havent been able to pay anything off our mortgage for the last 5 months due to the fact that we are both on Job seekers allowance. We are in the Marp process and we are just wondering is this the norm. Has anybody been in this situation and whats next. And finally who are Cabot financial? Just to note the communication hasn't been great between us and PTSB i prefer to communicate via written letters so i would have proof of anything said so i could bring it to court. I find PTSB collections department to be very aggressive over the phone and they have a habit of loosing phone records.