Hi PammyG any news re: the forensic audit...??

Anyone heard of these guys? any issues with them, thinking of taking out a loan to tie us over... Any checklist prior to signing anything would be greatly appreciated. If these are not Good guys anyone recommend any loan companies? All help greatly appreciated. Lucky01

Hi, if they had frozen my accounts then I would not have been able to withdraw any money? All will be revealed tomorrow. Either way, if this is due to a Court Order, then I am furious that I have received no notification or as I said before any Income & Expenditure Form to complete so they could assess how much I could afford??? The account was in my Daughter's name c/o me.

Hi there Thank you for making me feel I'm not alone. With respect to a possible Court Order surely whoever applies for this must ask for a form where I have to complete all income & expenditure for the family or indeed the Court themselves? Otherwise they are withdrawing money leaving my family and I with nothing to live on?. Also, received letter from Bank of Scotland yesterday, saying that as my Cardcash account was overdrawn and no suitable arrangements had been made to clear this as such they had withdrawn £312 from Active Cardcash account and £9 from my daughters account!!! (1st I heard from anyone! except the note re: visit on 3rd in the post!) they had taken I have today, updated my Charges Spreadsheet with the new charges (since my last submission to Halifax which is now on hold). Have withdrawn my husbands salary over the last two days so balance in all accounts is nil. Will advise employers to hold all payments until 'parachute' account set up. Applied for 'Step' account online - told to wait for papers in the post then to supply ID - does this mean I have the account? Anyway, all help appreciated... any advice re: claim back charges due to Financial Hardship? What is this? Many thanks Lucky01

Hi there It was just a smalled folded over card addressed from Halifax Retail Bank Collections PO Box 607 Trinity Road Halifax HX1 2UJ IMPORTANT NOTICE Our representative will be calling your home on: 3rd April 2009 PLEASE TELEPHONE 0845 602 8842 IF THIS IS NOT CONVENIENT. This is all that was all that was written on the card, no explanation, no further details?

Hi there Can you please advise me how I can claim back charges due to Financial Hardship? What is this? I will check to find out who order the £2000 to be taken from my account tomorrow, but if it is the Halifax, can they just take the full amount knowing that if my Cardcash account was overdrawn there must be a reason. Also, I received a card in the post from the Halifax Retail Bank Collections saying that one of their representives was coming to visit me at home on 3rd April. So, why have they taken out the money prior to his visit? do I have any legal standing? Many thanks Lucky01

Hi there Can you help? I have 4 accounts with the Halifax – 2 Cardcash and 2 savings (1 Premium Savings and 1 I opened for my Daughter’s savings). Having lost my job last year, things have gotten extremely tight with us having fallen behind on mortgage payments, loan payments, utilities etc.., With this in mind we started using money in our savings and there is nothing left! I went overdrawn, mostly due to bank charges in one of my Cardcash accounts and so I cancelled all my DD’s etc.., to avoid further charges – these amounted to nearly £409.40. Last week, money was withdrawn from my ‘active’ Cardcash account and (unbelievably) £9 from the £10 which was left in my daughter’s account and paid into the overdrawn account – completely without my knowledge. This still left the account overdrawn but now by around £94.40. I had nothing left in my Premium Savings, but had ‘borrowed’ £2000 from my dad last week and paid this into my Premium Savings. I did this so that I could manage payments and transfer when I knew something ‘urgent’ needed to be paid (buildings insurance, contents etc.,). On Thursday, all but £1 was withdrawn, I was told that it was due to an ‘Order’ but had to call 01422-336229 on Monday to find out by whom, the number is for ‘Savings Operations’???? Although I have no confirmation yet, I suspect that this could be the Halifax themselves, ie; my mother-in-laws home was repossessed roughly two years ago, my husband was also a mortgagee on the house with his father, but his father passed away 6 years ago leaving the mortgage solely with my husband. When Birmingham Midshires ‘sold’ the house there was a shortfall of some £10,000, HL Solicitors have been chasing us to pay and we advised them of our current situation that we are in arrears in practically every aspect. As Halifax own Birmingham Midshires I think this is due to them. I have not been informed of any orders at all. If it is the Halifax themselves can I do anything? It is such a large amount that has been withdrawn in one go that I now have nothing left. My fear is that my husband’s salary is paid into my ‘active’ Cardcash account, which was done yesterday. As this is now our only source of income, I am scared that this money is going to be withdrawn also, so am going to withdraw all my money before Monday. Can anyone tell me if under my circumstances, with all my arrears I can get another bank account somewhere else? I need to do this so that I can arrange for my husband’s salary to be paid in and essential DD’s to be set up? All help, would be most appreciated, as at the moment I cannot see which way to turn. Yours depressed Lucky01?

Hi there Been reading about securitisation and did a little research on my mortgages at Land Registry. They appear as:\ "KENSINGTON MORTGAGE COMPANY LIMITED" and "SOUTHERN PACIFIC PERSONAL LOANS LIMITED" Does this mean they have not been securitised? I was hoping to use some of the Carmel Butler info and various advise from other thread... now I fear I may not be able to? Any advice would be most useful? We had a possession order made by both companies around October, but have now fallen behind in payments again? Can they just go for a straight repossession without going to the courts or do they have to go through the courts? Thanks Lucky01

Hi there Been reading about securitisation and did a little research on my mortgages at Land Registry. They appear as:\ "KENSINGTON MORTGAGE COMPANY LIMITED" and "SOUTHERN PACIFIC PERSONAL LOANS LIMITED" Does this mean they have not been securitised? I was hoping to use some of the Carmel Butler info and various advise from other thread... now I fear I may not be able to? Any advice would be most useful? We had a possession order made by both companies around October, but have now fallen behind in payments again? Can they just go for a straight repossession without going to the courts or do they have to go through the courts? Thanks Lucky01

Horror!!!... surely they can't increase the Interest Rate when many are cutting + Government advises as such... Anything we can do... from the CAG website there appears to be a great many Kensington customers... and probably many not on CAG... what can we do?

Hi there Anyone know if Kensington, or Capstone (SPML) are going to pass the interest rate cut to customers?.... anyone one heard anything? Also does anyone know if Kensington is part of a larger organisation? ie: I know SMPL used to be part of the Lehman Bros Group... what about Kensington... cannot seem to find this info anywhere? :? thanks Lucky01

sign-up & lets put the pressure on! http://petitions.number10.gov.uk/savemyhome/

sign-up & lets put the pressure on! http://petitions.number10.gov.uk/savemyhome/

sign-up & lets put the pressure on! http://petitions.number10.gov.uk/savemyhome/

sign-up & lets put the pressure on! http://petitions.number10.gov.uk/savemyhome/

sign-up & lets put the pressure on! http://petitions.number10.gov.uk/savemyhome/

sign-up & lets put the pressure on! http://petitions.number10.gov.uk/savemyhome/

sign-up & lets put the pressure on! http://petitions.number10.gov.uk/savemyhome/

sign-up & lets put the pressure on! http://petitions.number10.gov.uk/savemyhome/

sign-up & lets put the pressure on! http://petitions.number10.gov.uk/savemyhome/

sign-up & lets put the pressure on! http://petitions.number10.gov.uk/savemyhome/

sign-up & lets put the pressure on! http://petitions.number10.gov.uk/savemyhome/

sign-up & lets put the pressure on! http://petitions.number10.gov.uk/savemyhome/

sign-up & lets put the pressure on! http://petitions.number10.gov.uk/savemyhome/

sign-up & lets put the pressure on! http://petitions.number10.gov.uk/savemyhome/