With the impact of the credit crunch taking a bigger bite out of all our pockets, I thought I would take a look at what we should do if you were struggling to make payments on your home or you have mortgage arrears. Contact your mortgage lender First thing to bare in mind is that lenders have procedures for helping people who are experiencing payment difficulties. The next thing to do is contact your lender - they'll not bite your head off, as they are compelled by regulation to treat your fairly.