That's completely mad How can anyone justify a charging order as part of a responsible lending policy? They should be looking into a customer’s income and expenditure and looking for a way to make the debt manageable even if it means increasing a term a reducing an interest rate. I can't believe the high court is allowing this to happen it's making a mockery of everything I stand for being a qualified IFA and it certainly only benefits the banks who quite frankly have squandered to much of my tax based contributions already. Charging orders are as bad as subprime lending and should never be allowed after all the bank signs a contract to allow the monies on an unsecured basis so and if it was the customer that wanted to change the contract to the banks detriment then they would say a contract is a contract. [/font] Has the world gone mad or do people enjoy this financial recession. the chancellor needs a slap and the high court judge needs a shrink I mean first they allow unfair bank charges to stand and now this no wonder people commit crime and live on the dole it's far less risky than an honest life.