Can someone please help me with some advice. I spent over an hour on the phone this morning to my mortgage provider to tell them I can't pay next months mortgage and to ask for help in either reduced payment or interest only repayment for about 3 months to help me get my finances in order. Bit of background info: I have about £8000 arrears from 5 years ago when my partner died and for a while I couldn't pay, but I have been paying the mortgage itself off regularly with no breaks after that happened. I am single mum, 4 kids, one is at uni. And three at home. I do not know what to do now or who I can ask for help. I have regular income which normally covers the mortgage etc, but this has been hit hard by food, fuel and electricity prices. I have tried cutting all costs as much as possible, working as much as I can, but I find myself at an impasse now. I have no savings left. The bank have said no help is available. So I either pay the mortgage and have no money for food etc, or I don't pay the mortgage. Can someone please suggest where I can go for temporary help and advice.