Service charge arrears – What can we do?

1 property – 3 leashold flats with 2 of us owning the share of freehold. The owner of the flat that doesn’t own the share of freehold lives in New Zealand. We do not even have an address for her. All communication is via email.

She can’t keep up with service charge payments (£500 p/a) and ground rent payments (£200 p/a) which are minimal considering the value of the property and the rental income she receives. She is constantly in arrears and can’t keep up with the payments. The property needs major works done to it. She agreed it did and agreed to a payment plan about 2 years ago as we need to receive her funds before we do the works due to her poor credit history on previous works we had done.

Obviously she has paid nothing. Anyway it has accidentally come to my attention that she is also in mortgage arrears and has been for some time.

The letters keep coming to the property (it’s a shared letterbox) so I am wondering whether the lender is even aware that she is living in New Zealand.

What can we do?

Maria