Hi I am new to this forum, My husand and I also got the Northern Rock Together mortgage back in 2007, with a £106k mortgage and £25,625 unsecured loan. At the time we were very naive, first time buyers and had no advice or help from family about finances/mortgages. We went through a broker who said we would never get on the property ladder if we waited to save up a deposit as prices would be too high for us then. My husband had a couple of loans and were told the only way we could get a mortgage would be through NR and to consolidate his loans and roll it up into this £25k+ loan that would also include a small 'deposit' towards buying the house and all attached fees. In effect my husband's original debt was increased because at the time he was charged heavily for early repayments on them. Obvisously from the worry that prices were going up and this was our last chance to get onto the property ladder we very badly (in hindsight) took the mortgage out. Fast forward 5 years, now on the bad books with NRAM, we paid £112k for our house, which is now worth £96k if lucky, and in negative equity. Very worried what will happen in a few years time if we manage to pay enough off to sell the house to cover the mortgage, but then the unsecured loan will be subject to raise by 8% interest! Was anyone else requested to consolidate their debt at the time of taking out the mortgage/loan in order to be able to afford it? I would like to be added to the complaint. Thanks.