Hi Blueberry, Did you go ahead with the loan with Novitas? I had one of these, the Solicitors claimed I’d only need it for 4 months, in the end it was over 4 years, they spent out the first loan and came back for more and more and more, they misrepresented my assets, and Novitas didn’t bother checking, with me, or with anyone, they didn’t even check the value of the house the loan was secured against. These loans are a really bad thing, interest is way too high, the solicitors treat them as a piggy bank and worse, however badly your solicitors represent you, if they are lazy, or dishonest or just don’t do what they say they will do, you are stuck with them under the terms of the loan (which is actually against the law, but they believe they are above the law). I’ve had a number of other people with these loans contact me, one is bankrupt, the other facing bankruptcy as a result. There’s a Solicitors Regulation Authority Investigation into the practises of solicitors pressuring their clients into taking this sort of lending. If you were persuaded to take one of these loans and its gone badly wrong then let me know and I will find a way to get the information to you about who to complain to and what information they need.