That's it really. My company has gone bust and they can't pay the rest of my SMP. It's not clear yet whether they've formally gone into administration or what, so I don't know how easy it will be to claim back from HMRC. My husband is on a fixed term contract and only has work til December Does anyone have any experience of this? My mortgage company are ringing me back on Monday to discuss my options; I'm hoping they will let us reduce to interest only but I don't know how this works either. Any advice appreciated.