I need your help people! In the new year I will be able to make overpayments on my Northern Rock 'together' mortgage. Northern Rock said I can make overpayments on either the secured bit or unsecured. Which should I do? I'm thinking the unsecured bit to get it down! Unfortunately I took out a 125% mortgage and have about 28k left ...

I'm afraid Huckster is correct. Even if you could have the chance to appeal it I'm sure the magistrate would ask "Did you take the road conditions into account, or were you travelling too fast for the conditions anyway?"

Jalexa sorry about my last post. I was the rude one.... Can only put it down to having a bad day yesterday. Conmankiler thank you for your kind words..

I wonder how many people think Jalexa is the rudest person on this forum? Well over 62 I would say.....

Dollarfrog you really need to get out more mate... I feel that sorry for you I'm going to send you a cheque for £3. Then you can watch a film where you know the ending.

Basa48 I'm in debt up to my eyeballs but have the decency to pay back what I owe. Yes, I appreciate that if you are ill/umemployed it is extremely difficult as you have other commitments. If the banks are selfish and uncaring then why borrow from them in the first place? They are only unselfish and uncaring when people take advantage of the ...

I'm not being funny but if you owe money to them why dont you just pay it back?

Hi there I'm sure I read in my local paper that the Nottingham Building society are doing 95% mortgages!

Iv'e heard that now once the baliff has the warrant as long as they can confirm you reside at the address they have the power to gain entry even if your not in!

Hello Tom 1982 I think the best thing you can do is come to an arrangement with the bank to start paying the ovedraft back over a period of time or look for a 0% credit card and pay off your overdraft with it! Why on earth did you decide to take out a pay day advance loan and suddenly decide that you weren't going to pay it back as agreed? ...