If you’re worried you won't be able to make future mortgage or rent payments, or are already in arrears, get in touch with your mortgage lender or landlord as soon as possible. If your mortgage or rent isn’t paid, the money owed is called 'rent arrears'. These are priority debts, which mean you should sort them out first, before tackling other debts - to avoid the risk of eviction. When you contact your landlord or mortgage provider, offer to pay what you can at this stage - you will get this figure from your budget.
It’s important you stick with the new payment plan if agreed. If they refuse your offer, or don’t reply - it’s important you make the payments anyway.
If you’re worried about rent arrears or eviction, contact StepChange debt charity on www.stepchange.org they can help you understand your rights and what to do next.