Does anyone know if it would be ok for me to skip paying my mortgage with Bank of Scotland for one month? I've been hit with an unexpected medical issue and the only way I can think to raise the money is to skip a month and catch up by repaying a little more each month for the next year . My question is this: can this be okd over the phone or is this a big deal that will require a lot of paperwork and restructuring etc. I don't want that- only this one break. Anyone have any ideas?