Hi Just discovered this forum and very interested to read that its not just my wife and I who have had this experience. In 2005 we took out a Northern Rock Together mortgage on the advice of an 2 X IFAs (how naieve were we!) Fixed rate ended last year and we are paying 4.79%. Loan was £30K - and the paperwork says that it is covered by the CCA 1974, which covers loans up to £25K. They are in breach surely? Plus we can transfer the mortgage to another mortgage provider, and the loan stay with NRAM. This would mean they have a £30K unsecured loan on their books. Let alone the fact that the interest rate would double - surely that is loan sharking... Anyway, has anyone any advice?? Should we be seeing a solicitor? Should we move our mortgage and just stop paying the unsecured loan?? I guess we are luckier than most as (including the US loan, we are in positive equity - just), but I am keen to get some options ont he table.