Im with BOSI - paying reduced sum every month (Interest + 200) in MARP for 2 years now, managing this and clearing short term debt as got interest and charges frozen over 5 years but got a letter from BOSI demanding proof that short term debt has been restructured. Get the feeling from the letter they are going to start putting pressure on us to go back up to full payments soon, which I cannot afford. Owe 189K - house worth €100k so in neg equity. We have kept in touch with bank all along, and up till this last letter they have been very co operative. I am going to re apply for a further continuation of reduced payments, but can offer €50 extra per month - will let you know what comes of this offer. Keep in touch with Certus as your circumstances change