It's really not my character to fall behind with mortgage payments or anything like that. Ask my friends and they'll tell you that I'm always so particular about everything I do. The problems started when I split up with my husband. It was a really traumatic time for me and I coped by spending like crazy. I went on loads of holidays with my girlfriends and bought new clothes. I was spending so much money I didn't even have enough to pay my monthly mortgage payments.

I was so behind with them that the mortgage company threatened to send the bailiffs round. I really didn't know who to turn to so I started "Googling" for people that could help me with my arrears and I came across National & Capital.

When I first called them up I felt like a really naughty school child. But my N&C personal adviser was fabulous and made me feel so much better about my situation - it was the first time I realised I wasn't the only person in arrears!

It's been wonderful to find National and Capital, they've really helped me get my life back together and they found me a new mortgage that is as competitive as the High Street lenders.

Suzy Wenders*

* This is an example of a typical customer scenario where National & Capital have helped in the past.

THE OVERALL COST FOR COMPARISON IS 9% APR

The actual rate available will depend on your circumstances. Ask for a personalised illustration. APR variable and based on a usual case. Our fees are either £995 or £2995 dependent on the product purchased. Tracker, fixed and discounts available. Early repayment charges apply and may also apply on your existing mortgage.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

National & Capital is authorised and regulated by the Financial Services Authority for mortgage and non-investment insurance business. Authorisation number 457207. This site is intended for people that live in the UK. © Copyright National & Capital 2006. All rights reserved.