Just wondered if this had happened to anyone else - I've had a letter today telling me my mortgage is in arrears. I don't understand how this has happened as I have an offset account which is in funds with the same bank my mortgage is with. My mortgage payments have been going out every month for nearly two years from the offset account by direct debit. There is a significant amount left in the offset account (over 40x more than the monthly amount that needed to come out). I checked the account as soon as I read the letter and can see that despite being in funds there is no transaction for November. I don't do anything with the accounts as it should just automatically sort itself out so don't check monthly to make sure payments have been made. I have no reason to expect the DD won't go through. So I presume the bank must be at fault but I have no idea how or what could have happened. I am annoyed about how long this is now going to take me to sort out, the implications for credit ratings, the interest that will have been charged. I read the letter after 5pm so could not speak to anyone today so have to wait until the morning. However, I have a niggling doubt that I must have unwittingly cancelled the DD somehow or that someone has managed to cancel the payments maliciously (I don't know who would do this, but also cannot understand how the bank has made this mistake). AIBU to think this must be the banks fault? How is it possible this kind of thing could happen?