hi everyone just enquiring if anyone here has a base rate commercial loan or mortgage I have just found out after nearly 4 years that my bank when the base rate altered in 2009 from 4.5% to 0.5% reduced my interest charges but have never reduced my payments or informed me that they could be reduced. They have told me that they are not obliged under the terms of the agreement to do so, which means that despite many occasions over the past 4 years having discussions specific to increasing cashflow, being moved to special situations for apparently having cashflow problems ( which I didn't), they still did not not deem it necessary to inform me that I was overpaying my commercial loans to the tune of £ 800 per month. my advise to anyone with a commercial loan or mortgage "CHECK IF THE BANK HAVE REDUCED YOUR PAYMENTS". You could well find that they havn't