# MORTGAGE ARREARS SUPPORT LETTER
Date: 12 March 2038
Parties: To: South Coast Building Society, Mortgage Support Team; From: Daniel Morris, 14 Willow Close, Portsmouth PO3 6QH; mortgage account MS-482716
## 1. Addressee and account
12 March 2038 — South Coast Building Society, Mortgage Support Team. I, Daniel Morris, am the borrower for 14 Willow Close, Portsmouth PO3 6QH, account MS-482716. My correspondence address and telephone number are unchanged.
## 2. Chronology and present arrears
My redundancy took effect on 20 January 2038. The contractual instalments due on 1 February and 1 March 2038 were each £1,120 and remain unpaid, so the stated arrears are £2,240. I am applying promptly rather than ignoring the account.
## 3. Basis and proposed arrangement
Please assess my circumstances and any reasonable arrangement under the current terms of the mortgage and applicable FCA mortgage-arrears rules, using the current process and forms you require. I propose £600 on 1 April, 1 May and 1 June 2038, followed by a review; please consider capitalising the £2,240 or extending the term only if affordable and contractually available.
## 4. Evidence and requested response
Enclosed are my redundancy letter dated 20 January 2038, three recent bank statements and an income-and-expenditure schedule. Please acknowledge this letter by 19 March 2038, confirm the documents needed, and tell me in writing by 26 March 2038 whether the proposal can be considered. I will seek debt advice from a free service.
## 5. Status and signature
This is a request for forbearance, not an admission that any statement or charge is correct and not a promise that I can pay more than £600 before review. Please do not treat this letter as changing the mortgage contract. Daniel Morris — signed 12 March 2038. I understand possession action and deadlines depend on the current contract, rules and court process, and will obtain advice if threatened.