Fixed rate due to expire - currently in Debt Management and CCJ

jasperpie

I currently have a northern rock together mortgage. I have almost a half year of my fixed rate remaining.

During my time with the mortgage I came into financial trouble and entered a debt management plan with my creditors.

They will get paid eventually, but the interest is frozen. I also have a CCJ (i think) with my largest creditor - they have a charging order I believe against my property so that when I sell or re-mortgage they get paid first.

I have never missed a payment on my mortgage or accompanied loan, except for a payment break (allowed without question after so many months without a missed payment, as partner lost her job) but when my fixed rate runs out i doubt i will be able to get another mortgage.

Does anyone have an idea where i will stand. Ie - will it just go to above base rate or will they wash their hands of me.

I slightly recall receiving a letter stating that the company has been split - basically old/bad debt and new. i fall into the bad one, and if i recall correctly, there are no further re-deals or negotiations.

I cant find the the letter for love nor money but if anyone can shed some advice it would be ideal.

Thank you for taking the time to look at this

getmore4less

Your followon rate will be in your original docs,

you keep that for the original term as long as you keep paying the mortgage

you should have filed these, vey important documents, along with all other morgage related docs like the anual statements and any letter.

The NR split letter is unlikley to have any information reltated to mortgage rates.