Please go straight to your local Citizens Advice IMMEDIATELY and tell them that you want to apply for the repossession to be suspended. They will refer you to the appropriate body straight away. Phone Shelter as well. Do not delay and do not fall into the hands of the bottom feeders (buy-to-let and the like) who pretend that they can help you but just want to take your house as well. DO NOT DELAY because Kensington WILL take your house. As other people have pointed out, they are no better than [dis]organised criminals. They took my home of 17 years in April 2015 and I am STILL trying to get justice. The shortfall on my account was a mere £1108.88 but because they had already tried to repossess on two previous occasions for piffling amounts, the County Court bailiff turned up with the police, 2 locksmiths and an Estate Agents and barged the door, handcuffing me and putting me in the back of a police van while my home of 17 years was boarded up. The more time that elapses, the more horrors have emerged, including the distinct lack of protection for the victims of these ruthless mortgage companies and their crooked associates (namely Countrywide who have been described as tantamount to gangsters. Look at their involvement in the American crash of 2008.) I have nearly lost my mind over this but by no means is this the end. The problem is that the Law is firmly on the side of the Banks and because I tried to get an injunction to stop them selling my home (for a guide price of £15K, the thieving bastards) with the County Court, the FSO would only look at parts of my complaint. They have recently come back to me saying that Kensington have acted "fairly" and "reasonably" and when I let them know that I felt suicidal, they gave me the number for the Samaritans, as did the FCA. I have only recently found this forum and I am absolutely determined to make sure that what happened to me doesn't happen to someone else, as well as eventually bringing Kensington and their corrupt directors to their knees. I have done and continue to do extensive research on Kensington and have uncovered some very dodgy practices, not least their LTD status, their off-shore accounts and their contract terms which not only give them "power of attorney" over you but also state that they can commence repossession if you are in arrears by ONLY ONE MONTH (other more "respectable" mortgage companies will say 3 months. The problem is that once they have applied for repossession and it has been suspended, the scene is then set for them to sweep in at any point after that with 7 days notice and TAKE YOUR HOME without breaking sweat. This is my first post here, but I am keen to gather a group of people who have been victims of Kensington's malfeasant practices and to go back to court en masse. I am based in Huddersfield but am happy to travel anywhere in the country to meet up. I volunteer at the Law Centre and with Horton Housing now having been forced onto JSA as a result of losing my home and subsequently my business. Anyone else who wishes to tackle Kensington with me, or needs immediate advice, please message me with your email/phone number and I will do everything in my power to help you.