blimey, this is like trying to get blood from a stone. If you don't tell all in the question, how do you expect to get useful answers i wonder? Anyway, yes, i would consider paying less than the agreed amount a default. or we could all have £15000 mortgages and pay £1 on them and consider our obligations met because we were still paying something. They agreed to lower payments for a while, now they don't want higher payments, they just want the agreed amount. once you get outside of the 6 month period they agreed to, if there is no more agreements made, you are defaulting by not paying the amount and they can take you to court