That sounds like it would have been my worst nightmare as a teenager!
Incidentally, I know someone whose daughter just started at St Martha's in Hadley Wood (independent all girls' senior sch) and the girls are really supportive to each other.
Cjm - I actually live in Whetstone but there aren't many private schools nearer here. Only Lyonsdown which is small and only takes boys til age 7, and Belmont at Mill Hill. I am happy to drive to Potters Bar if the school is right for my ds and if you take the back roads it's not too bad a journey.
I haven't really managed to narrow it down at all - I'm too confused!! I guess the options are: Lochinver, St John's, Manor Lodge, Belmont, Habs. My dh went to Habs but it's a bit of a trek and we prefer co-ed now we've thought about it. So that would knock Lochinver off too.
It is an issue if you have another child as I don't think it'd be great to send one child to private school and not the other obviously! Actually this happened in my dh's family - he went to Habs on a scholarship and assisted place (but they still had to pay some fees and money was tight) and his brothers went to comprehensives. It hasn't caused any resentment between them but I think it has affected them in terms of the jobs they do and their interests.
Having said that my dad had step brothers who went private and he went to a sec modern and he STILL has a chip on his shoulder about it decades on!!
Don't let the application thing worry you - there's still ages but it might be worth starting to get prospectuses and thinking about it all.