Hi Heidibag
It is possible for the management company to ask your mortgage lender to pay the bill if you cannot do so. This could put you into mortgage arrears if your lender does not agree to add it on to the balance of your mortgage. However, given your mortgage lender has stated they cannot do it, you need clarification whether your lender is refusing to pay the bill or perhaps the adviser you spoke to did not know it was an option.
Other options available for the management company will be to apply for a CCJ for the debt, or consider repossession due to you forfeiting your lease by not paying the bill. You can get specialist advice on your lease from the Leasehold Advisory Service
https://www.lease-advice.org/.
I would suggest you get in touch with one of the free debt advice agencies for more advice on this. It may be possible to negotiate a payment plan on the bill if you cannot afford to pay it in one go.
Best wishes
Susie
@natdebtline
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