Hi Cat
Mortgage statements are generally hard to understand. They are made even harder by lenders using short codes for things which explain very little.
What arrangement did you reach with UB? We would need to know that before attempting an explanation.
Did they reduce the interest?
One thing to watch out for is that statement sometimes have two columns, one for the mortgage balance and the other for the arrears balance.
If this is added to the arrears balance and does not increase the mortgage balance, then there is no need to worry about it. The arrears figure is what is known as a "memorandum" figure. It does not affect any of the calculations.
Brendan