It does have it's own contract, but the original amount was for more than £25k therefore the CCA1974 not being much help?. Any ideas?

Thanks, the expat forum was very helpful.

Thank you.

Hi, I cannot offer any advice but I will be in the same position as you by the end of the year as I will be moving back to NZ with debts owing in the UK so I would be interested to know how you get on. I don't suppose you know how a UK bankruptsy affects you in NZ do you? Thanks

Hi, I'm going through a similar situation at the moment with Mint. I originally took out a credit card with MINT in Jan 05 and I did sign an agreement and they did supply a copy. However, they issued me with a new credit card in Feb 07 with a different credit card number and a new agreement - one that I did not sign . I read somewhere that a similar case was taken to court but was thrown out when the judge realised the credit card number had been changed. Hope this helps.

Hello, I am seeking advice on a together mortgage that I took out in 2005. I have been fortunate enough to have recently sold my property but the sale price falls short of the combined secured and unsecured part of the NR together mortgage. The two options I have is that : 1. I only repay the secured amount to NR and come out with about £10k. This however will leave me with a £25k unsecured loan with NR upping the APR rate by 6%. 2. I repay the secured amount plus 10k towards the unsecured sum. This then leaves me with a £15k unsecured loan with NR upping the APR rate by 6%. I am considering option 1 and then I'll maybe try to challenge NR over the legality of the unsecured loan amount, on the grounds of reckless lending. Failing that I'll be considering either bankruptsy or IVA (which are both last resorts). Has anyone else been in a similar position to me and what was the outcome? Thanks The simple reason for selling is that we cannot afford to buy a bigger property (1 bed flat not good for a family of 3) so we will be renting for a while.