We are in exactly the same position with a northern rock together mortgage - i wish we had never been accepted - i wish we had just opted to rent as i can't see an end to the night mare. We are due to come out of ou fixed term next March and i'm dreading it as no other company will touch us due to the serious negative equity. We have only managed up to now living on overdrafts and credit cards as my partner lost his job - he has a new one now but the wage is much less and differs every week. It feels like we are constantly fighting a losing battle, I don't know where to turn and just keep hoping for a change of fortune! In a way its nice to know there are people out there in the same boat, just which someone had an easier answer but hey ho. if anyone does find an easier answer please let me know:-)))