I have stopped losing karma have checked and karma is Unlocked.Necro is at 105.6 with jewels and Ossian the +10 necro book 75.6 without jewels. Any Ideas?

First, you will want to go to a shrine and lock your Karma. Locking your Karma will stop it from raising any higher when you kill monsters taht would give you Karma. it will not stop it from going any lower...

What is your title?

Typically Necro spells alone will get you to about level -3 Karma, maybe -4. To get to Dread, youll need to do some dastardly things

Killing Meer in Ilsh will definitely get you to Dread. Most of the Meer are pretty easy pickins; just drop a couple EVs and sit back and watch. Be VERY careful about the Meer Eternals, especially Paragons. They dispel EVs pretty easily and will rock you into the ground if you get too close. It took a friedn and I 5-6 minutes and several deaths each to take down a Para Eternal..

Another thing to try is pick up escort people from towns, recall into a non-guard zone and kill them. best not to do this with the Mage type of escort...any other will do fine and be a very easy kill.

Thats all I can think of for now...let me know how it goes!