 Northern Rock
Hi! I am new to this forum but have already found it extremely helpful with regard to the whole Mercers/Barclaycard stuff. I going through a debt management plan and both Barclaycard and Northern Rock have been really difficult. I think I have the Mercers situation in hand thanks to the great advice on these forums, but I do need some help/advice with regard to Northern Rock.
Last Autumn, I had my mortgage with Northern Rock plus a secured loan with them. When I changed my mortgage provider, they turned the secured loan into an unsecured loan which meant the interest rate going from 8% to 15% without any warning. Consequently, with the payments doubling, along with my other financial meltdowns, I have been able to pay them.
I am using Best Solutions debt management programme and they have been great. They have told me, however, that Northern Rock are refusing my nominal payment and are now applying to a Court to have the money I owe them secured against my home.
The questions I have are:
1) can they do this?
2) can the Court decide otherwise?
3) will I have to pay what I was paying them before?
4) is there anything I can do to stop this?
Any advice would be greatly appreciated as this whole this is really getting me down.
Cheers
Stu | 
