I have a client who has got into a terrible mess with mortgage arrears. He is aged 75 and in poor health, and earns very little from his small business. He has a £300,000 mortgage plus about £90,000 arrears. The house is worth about £200,000 and is his only significant asset. The bank is being very unhelpful and keeps threatening to throw him out of the house. Are there any Government schemes or initiatives which help someone in this position?