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From the websites www.howto.tv and http There is a wealth of strategies, advice and practical support that can help you keep your head and your home As a homeowner in the current climate, there’s a good chance you’re worried perhaps deeply about being able to pay your mortgage. It may seem small consolation but, as you may have noticed, at least you’re not the only one. But whatever the extent of your personal situation, panicking or ignoring your problems are the worst things you could do. Adam Sampson, Chief Executive of Shelter said: “As the credit crunch continues to bite, the reality is that more and more homeowners will struggle to keep up with their mortgage payments this year. We are seeing increasing numbers of people coming to us for help with mortgage problems and we would urge anyone in difficulty not to bury their heads in the sand and to seek advice early to ensure they don’t lose their homes.” Instead, it’s important to keep cool and undertake practical strategies for staying on track and out of trouble. Here are just a few, as recommended by leading money advice charities and the Council of Mortgage Lenders: If you’re beginning to worry, you should talk your lender immediately. Yes, you might be reluctant and even find the prospect a bit scary, but it’s crucial. The Government has created safety nets to help you, such as the Court Pre-Action Protocol, which requires lenders to demonstrate that repossession of your home is their last resort. If you are …