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Northern Rock Interest rate freezing experiences

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HI All,


I am looking at potentially going into a debt management plan, payplan or CCCS. I have a fair bit of unsecured debt and the biggest amount is the de-linked part of my old Northern Rock together mortgage. Essentially I owe them £30k but the interest rate is now around 13% and this is the one that is putting me over the edge. £340 over 23 yrs....... £3400 in interest every year....


Thing is there is no point in me going into a debt mgmt scheme if I am not going to get the interest freezed. Has anyone had experiences of their dealings with Northern Rock, have they accepted and frozen your interest, was it hard work?


I know after speaking to them they are likely to try and get a charging order my house it has no equity in it and its owned by myself and my fiancee. Her credit is fine and she owes nothing, shall I get my mother in law to put a second charge on it are they likely to succeed?


Also I don't want the hassle of going to court etc if they do not accept my debt man plan, I hear this has affected a few people on here. Defaults etc are OK but when it starts to get to CCJ's that is not good, I am in the Financial Services industry and this really is a last resort as we speak I have good credit and with help of family etc I could put some of this debt on 0% for a while but its the monthly amount of £1400 to debt that is killing me and chopping and changing could come to a head anyway and push me into this.


Northern Rock are the ones that I am really concerned about will they actually be a nightmare in all of this, any help is much appreciated.

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