Talk about been laid back ! I didn't even know about any of this, were coming to the end of our mortgage I was searching the web for northern rocks base rates and found this link. I didn't even know about this Extra charge on our unsecured load part of the agreement. So this is a big blow for us, like everyone else here we have been conned, our mortgage will go on to northern rocks svr in the next few months, what do I do if they only offer me there base rate? Like so many others have stated before me, no one else will take us on with the unsecured load? I will be forced to comply ! Please keep me update and I to will like to take this to the courts as a group.