I am also in a similar position to many of the above!! I have recently sold my property with an unsecured amount outstanding of £21k, i have taken this to the ombudsman & logged a complaint against northern rock! But after doing some research into unsecured loans I have found numerous information stating that if the amount paid back in interest makes the loan unaffordable & not payable over a reasonable time scale then the interest must be frozen!! I have split up with the person named on the mortgage & am fighting with them to split the debt as well as make it affordable!! By paying the increased interest rates I will pay back £83k on that 21k loan over the remainder of the loan, I mean this can't possibly be reasonable!!! Would be grateful for any advice or success cases in what seems to be a total shambles of a company!!!