DH spoke to the mortgage company yesterday - and they proposed a repayment plan for us - MUCH better than the one they previously proposed. They're going to spread out the payments for the arrears over a much longer time period - so instead of paying £200 a month extra - we'll just pay £60 a month extra. Obviously this means we'll be saddled with the debt for the longer - but if we suddenly find we have the money to pay the rest off we'll be able to - and we can actually realistically afford £60 a month extra for the mortgage.
For the first time in MONTHS - when we pay the bills at the end of this month we won't be going over our official ovedraft limit