michaelg.
Brendan is so correct.
The 1200 is not worth real chasing by CC company.
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The MORTGAGE is your issue.
If you can pay interest ie circa 700 per month you will buy time and find a resolution. Lenders are not inclined to push very hard if genuine and realistic payments are made.
Do not be frightened into paying any other arrears etc other than your mortgage.
If you take time and full out Brendans Information required , you will get some good advice and may indeed see a solution.
But we need info ,please.
If you can not @ least cover interest ,your situation gets worse.