I need advice in regard to Redstone's inability to reply to correspondence. I jointly owned a business which unfortunately closed July 2011 due to financial problems ( Care Home ). I advised Redstones in August 2011 both by letter and telephone about the situation and asked to pay interest only and also explained that the property with the support of Barclays business who held the Mortgage for the business was hopefully going to be turned into a House Share for Students etc. They duly sent me Income & Outgoings form which was filled in and returned, i also told them that i could only pay up till September 2011 the full mortgage amount which was £937.23. I was put on Interest only on January 1st 2012!!. Which meant we had arrears of £2174, as i had managed payments of £200. As i am now 60 i had some Annuity money and managed to pay off the arrears as we had letters threatening court action etc. T he interest only finished in July 2012, Redstones sent me another letter saying that my full mortgage payment would be commencing, if i disagreed send back the Income & Expenditure Form etc, which i did and a letter explaing that the situation had not changed, i am working part time only. The House Share is not full and due to the financial situation we are in i need to stay on interest only for the foreseeable future. I received a letter in August stating that due to my assumed income from the lets my Repayment Mortgage would start 1st October 2012 0f £1,044 per month. I wrote to Redstones on 9th September 2012 sent by registered post in i asked for a reconsideration of their decision, which included Breakdown of my business debts, Bank Statements which showed income from the lets, Barclays Mortgage Agreements this was signed for on 11th Sept, i have had no reply to this correspondence . I have also written to them on 7th October. On 15th October they attempted to take £1044. 82 out of my account which bounced so i a now in arrears. I have major hearing problems so it is easier to write to them as when i have telephoned them in the past they try to get me to agree to ridiculous payments. Do i have a case to complain to FSA due to their lack of communication as i am under the impression that they cannot implement full mortgage payments if i can prove Financial hardship and that i am in dispute and they haven't given me a reply. I am at my wits end with them. We cannot sell the Business property as it is now in negativee equity Sorry it's so long