Thanks for the info, it is appreciated. All I needed was a steer in the right direction.

Hi I have a secured 2nd mortgage with swift advances. It is just over 3 years old and I have always paid it on time. I needed to go sub-prime due to my marriage breakup meaning my credit was wrecked. Now things are just a little a bit better I decided to see if I could get a remortage with a mainstream lender however after paying swift for 3 years I owe more than I originally borrowed. My interest rate has increased twice over the term and I took out PPI - I was shocked to discover it actually only covered the first 3 years as I was sure it covered the term of the loan which was 15 years. Apart from kick myself what can I do? The salesman at the time did say I should remortage to a mainstream lender when things improved however I am going to end up paying a lot more money. Any advice or shoudl I just suck it up?