Hello I just thought you might like to hear about my experience with Kensington, yes i too have been KENSINGTONED! firstly we were missold our mortgagae, wew were told it was a fixed rate when we signed, didnt read the small print and then found out it was a variable rate which went up every month, we were told it was 5.2% but it was actually 7.9% and it went up every month. our direct debit was due to go on the 28th of each month but they were sending us letters dated the 20th of every month telling us it was going up again this month so make sure we have the extra in the bank to make sure the payment clears, simple you might think but the postmark on the letter was the 28th of each month so we werent getting the letters untill a day or so after yet another failed direct debit We finally decided to sell before it was ripped out from under us so we phonbed for a final redemption figure as we had a buyer and needed to know how much to sell for. we phoned kensington and were told they couldnt give us a figure over the phone but it would be sent out in writing in 5 days...... NINE WEEKS, 20 something phonecalls, and one lost buyer later we threatened them with a mortgage ombudsman they gave us the figure OVER THE PHONE! when they took us to court to repossess the house, the judge actually threw them out of court and gave us 3 months to help us which he explained was the maximum he could give and in his words "kensington are operating sadly, ONLY JUST WITHIN THE LAW" Well they finally repossesed the house, our payments started at £290 a month, within 18 months with kensington it ended up at £790 a month! for a house that was valued at 79,000 we originally borrowed £41,000, payed our mortgage for 4 years had the house repossesed and kensington say we still owe them 12,000 (they sold our house for 69,000 so how do they work this out??? sorry about the terrible punctuation but i was getting angrier by the second as i was typing! kensington seem to have this effect on me lol beth x