Civil suit no. 151 of 2003 to be heard at Milimani commercial courts of February 25, 2005 pits four (4) mortgage borrowers against the Housing Finance Company of Kenya (HFCK) and seeks to challenge “default charges,” ”penalty interest, ”interest on arrears,” and other charges that HFCK has debited against these borrowers account. Through an initiative spearheaded by the Interest Rates Advisory Centre (associated with former MP Joe Donde), 60 other borrowers have been enjoined in the class action suit against HFCK. IRAC is also seeking to register other borrowers by February 20th to participate in the suit against HFCK.