mortgage arrears

snookey

Well I sent my mortgage company our income and expenditure form and an offer of payment off our arrears. They wrote back and said no to the hundred and fifty pounds extra on top of our mortgage. Reason being they think we have four hundred plus spare.
We are on benefits as both disabled so its not as if we have a massive income. They are going to court for a judge to order a payment plan.
on top of this a letter from their lawyers came saying that they are taking legal action if we dont pay in full or contact our lender in seven days.
I would not mind but I spoke to one of their staff at the mortgage as a five hundred pound check from a benevolant fund had been sent but could not be cashed. The cash line had not been filled in properly. Anyway they had contacted us to ask about sending it back. In that conversation I had the clerk asked me about payment and arrears and I explained that I was waiting for the reply regarding our offer of payment. He did not know about this or the fact income support pays the interest. He started getting a little stroppy until I mentioned that the forms were sent back recorded delivery.
He failed to mention anything about the offer of payment not being acepted and just said he looked forward to our payment on the 28th of the month. This being despite looking the case up on his computer.
I dont want to get in a position of being forced into a payment we can not afford and think that they are being really unfair. By my calculations it would take less than ten months to pay the arrears off . They are getting six hundred and fifty pounds which includes the cheque this month alone.
Any suggestions on what I can do.