In regard to telephone numbers, this is how it works: 0870 numbers are assigned to landline numbers and just mask the real number your dialling. Business or indeed personal home numbers can get as many free 0870 numbers as they wish and assign to just one telephone or fax number. When they call you they give out their real number which is HML. See caller display. The actual number is: 01756 692000 Redstone for example will give out this number: 0870 601 3290 but it is the above number mentioned. Try it and see. By assigning 0870 numbers they see on their display it is REDSTONE for example and act accordingly. Or they will see it is Kensington or many of the others. There is reason to believe and we have proof that the same people are 'administrating' (a mortgage term with ramifications) many clients’ accounts and as such contravening the Data Protection Act. For example: if you were to leave (by way of a mortgage advisor saving you from repossession and placing you with another 'lender', then the new 'lender' could/will be the same people you just had all the hassle with now pretending to be the new 'lender'. Back to square ONE!! You may wish to know why I place 'lender' in inverted commas? They are not 'lenders' in the traditional sense of understanding. They (sub prime) CANNOT lend directly to consumers. They CANNOT provide additional lending after securitisation of the mortgage. They ARE just bond holders and your mortgage is solely a secured (be it fairly big) loan. They DO NOT allow second mortgages or further borrowing on your equity (as this is why they lent to you in the first place) by 3rd party lenders. They have NO accounting mechanism to manage ANY arrears (despite their pretence that they do and following CML/FSA guidelines (lip service)). Home repossession is NOT the last resort, it is the first. Notifying your 'lender' of any possible problems even in advance only serves ONE PURPOSE and that is to ALERT them to a possible issue and it is immediately passed to their litigation/collection dept. They WILL inform you of mortgage increasing/decreases but in the former will NOT provide you with the reason in the letter. Redston in 2006 stole ADDITIONAL monies from mortgage account holders bank accounts via Direct Debit and ONLY 'managed' the situation by exception (i.e. those who noticed or complained). They did this twice as we know it and many other times from those who have not noticed the slight change in payment at the begining of thier mortgage. This monies runs into the millions considering the volume of accounts. It also offsets any deliquent behaviour by payees and retains the value/ratings of the bond. There is NO supervision of thier accounts or methods by external parties. They are NOT high street lenders and as such do not have 'saver accounts' or can anyone demonstrate on the street by thier mal practice. They DO NOT care if your upset! They ARE credit managers/collection agency ONLY!! The mortgage is part of a bigger portfolio (normally around a purchase of circa £90m) and being part of a sale or the transfer immediately after signing up with the originator lender. They do NOT employ Mortgage Advisors and therefore cannot offer you advice or further lending facilities or indeed holiday payments etc. In essence, you are lead into a false sense of security as they portray themselves (as do the middle men) as traditional high street lenders but they are bond holders of mortgage accounts that the value of the portfolio is rated by Standards & Poor or Fitche Ratings. The more arrears there are the decline in rating and the value of the whole portfolio. You are therefore not a customer. You are a value...a return on an investment. It is your equity they are after!! Try borrowing on the basis of little or no equity and do the sasme again on a large equity base....see which one they will accept!! Hope all this helps.