Thankyou very much Melanie,i shall go down this route, next payment is due beginning of April. I'll keep all informed...

Thanks for the above replies. I had a conversation yesterday with NR, they insist that they are unable to split the payments as the mortgage and loans come under one agreement number. I'm wanting to pay the secured loan and mortgage only, whilst offering a reduced payment on the unsecured loan befor...

Thanks for the site info Mrs Skint, there's plenty there. Valuers are coming round on Monday. I've spoken to Northern Rock who say my mortgage,secured loan and unsecure loan run together as the 'together' package. These come under one agreement , therefore i can't separate the payments. Where do i s...

Thanks for those replies, Andy, without having an estimate by an estate agent, i'm pretty sure my house is around £60000 - bought 11 months ago for £58000(minus £3000)deposit. I will ring Northern Rock and Black Horse (spoke to collections dept recently who were willing to discuss a lower payment an...

Hi all A quick rundown of my position; I work full time, bring home £1500 a month, have mortgage - maybe £1000 equity, partner is disabled [no extra income as used to pay her own debts]. Have a 'together' mortgage with Northern Rock, - includes £5000 secured loan, unsecured loan £13000, mortgage £55...

Thanks for the useful replies, it's took a long time to establish balances on my debts,this will be calculated today. I'm struggling with one and that is whether i have HP or unsecured loan for my vehicle - by Black Horse. My agreement states 'Fixed sum loan agreement regulated by the consumer credi...

Thanks for the reply Andy,
I'll put some figures up tomorrow morning.
John

Hi all Found i won't lose my job for being in debt, that's one hurdle. Now i'm approx 30 thousand in debt and drawing on the credit cards to pay the other. I know this won't last for long and looking at maybe April before things come to a head. Just sorted outgoings and at a guess, probably leave me...