I have a Northern Rock Together mortage, Me & my ex partner took it out in November 2007, we were very naive at the time & did not understand the extend of the secured & unsecured part. The outstanding unsecured loan is approx £12k & the house is up for sale I have been informed by NR that when the property sells we will have approx £10k outstanding on the mortage (as the house sale will not cover it) which will be tied into the remaining term of 27 years!! The mortgage is currently on the standard variable rate of 4.79% but they will put an extra 8% on top so £10k over 27 years @ 12.79% will mean paying back £44k, ridiculous. If it is paid before the house sells there is no extra charge or interest it can just be paid off, which me & my ex are planning to do now by getting individual loans. But in the mortgage agreement the section regarding the unsecured mortgage says that I will be sent all the relevant information regarding the loan which I have never received I phoned & asked for it & NR said it did not exist!! Also if I took out the mortgage in 2007 how come the unsecured loan in still under the old consumer credit act of 1974, is that right? Im running out of time I need to find out if Im entitled to pay this loan as I am planning on paying it within the next 4 weeks. I am trawling the internet trying to find answers.