We had a Northern Rock Mortagage (fixed first three years - then variable since 2007). When NRAM was created, we were moved over without any good reason. Our Mortgage was in order at time of creation, (we had a sticky few months in the previous year due to the recession but had cleared this up by the deadline date). Our rate is 4.79%. I rang NRAM and asked why our mortgage rate ( being variable) was not in line with all the other high street mortgage lenders which is at least 1% lower. The operator said that your mortgage is fixed and would stay at that rate! Q : Can NRAM change us from variable to fixed rate ? Q : Can NRAM, (now they do not sell any new business, and we cannot move our mortgage to another lender at present as we would not qualify on income multipliers) - charge what they llike ? All in all, we think we have had all of our agreements made when we took the mortgage out - trampled on, what can we do ? There must be thousands of people like us that are in this situation... Any advise welcome..thanks