btlhell,
You have 24 mths paying full mortgage = {Christ we are going to lose house}= NO WAY , so settle yourself ! please.
We need more info on mortgage etc , but if Personal Insolvency Practitioner & Solicitor told you (don,t panic) , then listen to them.
Keep paying the mortgage and if you can, save a few bob each month , then build a reserve , rather than increasing mortgage. .
You are keeping to 2014 arrangement and the k33 will be added to years of mortgage,..
Cabot can be a bit (bully-boyish) so keep all in writing with them.