Well to kick you off, ask for a copy of these new guidelines in writing.
You will have to give some more info, as readers have no idea if your mortgage is sustainable. What income do you have, what is the amount of your mortgage, what interest arte are you on, what are your repayments.
When did you take out the loan, what is the remaining balance, the more info you give the better answers you will get.
€45,000 arrears built up over 9 years is a shortfall of €416 per month is that about right.