hi tony what was the purpose of the secured loan? and when was it taken out, I was informed that if your loan was stated for home improvements then it may not be covered under the Consumer Credit Act 1974. dig out the loan paperwork, it will state clearly if it is covered under the act and you can indeed apply for a time order where the Judge has quite extensive power to change/ freeze interest and extend the term.

Out of interest, what was your payment arrangement set at? do you now have to pay £400 a month ON TOP of your original?

Out of interest, what was your payment arrangement set at? do you now have to pay £400 a month ON TOP of your original?