Last edited: Dec 20, 2016 My mortgage I have - its 330k . It's 10.3k in arrears. It's being fully repaid 1.6k a month, I used to live in Dublin. Had to move back up north 8 years ago , times got too tough. Got apartment let . So able to keep paying off mortgage and now back up to full repayments. A new mortgage admin. support team took over the admin. at start 2016. I then got a letter from them saying that they were appointing a receiver in August. I rang when I received this letter as I couldn't understand this. An admin. guy said it was a standard letter as they had not heard from me on arrears. I said my case handler from previous handler had said to keep up full repayments, then they would consider recapitalisation of arrears balance. I had done that. He said that all those staff were gone and I would have to fill out a new Industry Standard Financial Statement. I did this by deadline of 3 October, 2016. I rang and they confirmed got all documents and would be in touch. Had nothing since until today I got a letter from the receiver. I rang the company doing the mortgage admin. They apologised when they realised they had not communicated their credit committee decision to me not to recaplitalise. I've always cooperated and would have paid off arrears. They said they will get a manager to ring me today/tomorrow, but no guarantee that will change anything. Lost and a bit anxious. Any help/guidance greatly appreciated at this moment.