I really hope this helps and we together! excuse the can get somewhere. This has been the cause of sleepless nights and like others before we get the messages of "you knew what you were doing" you are right, but I didn't know that Northern Rock would collapse and they would then adopt a "get rid of customers" philosophy which was the plan as stated by the government.I also do not want the loan written off, well I do but I realise that the best I can get is a fair deal.Our situation is secured part been paid off for threey years so am now paying 5% above SVR on £30k meaning in all paying back over £90kI have had the credit agreement looked at and it was deemed fair. This was done by a no win no fee company so I will never know. I have been to the ombudsman (excuse the spelling) and they have deemed that NR have no have no complaint to answer.I have been to my MP (LIB DEM HAPPY TO BE IN A COALITION SO NOW MUCH USE). He wrote to the Treasury being publicly owned and to quote the Treasury "The objective is to create value for money for taxpayers as shareholders, This means the Government will not intervene in commercial matters such as pricing as product design" To translate, if it makes money, we will turn a blind eye!I am at a loss with this so would love people to get together to come up with a plan. If I was still a NR customer I wold have no complaint. My isuue is when my fixed deal came to an end, NR sent me a letter saying now on SVR (INCREASE IN MONTHLY YMENT OF £450 APPROX) and there are no other deals to offer you so you should explore other lenders.I am determined to fight this so am happy to exchange details. My next plan is to explore a lenders "duty of care" I bought a flat for £141k and they lent me £153k However it was worded they knew that they were giving me more money and putting me straight into Negative Equity. I then moved to a house costsing £221k and they lent me £240k.. The same again. If people state it was a mortgage and a loan, codswallop, on paper yes, they knew it was for the house so it was a mortgage!I phoned NR and asked for a mortgage, I didn't ask for a mortage and a loan! Interested to hear any info apologies for waffling.