morning, I too have recieved this letter, ive been on jsa for 10 mths but my mortgage has been paid partially buy the benefit office...ive never been out of work and its a struggle..im worried that engage will increase my payments as in the letter it clearly states that Engage are responsible for seting interest rates..ive called Future and spoke to the teaboy! i asked to talk to a supervisor so was transferred and got the same answer...." its a business decision to transfer some of our clients out" .i am in debt for about 3000.00 which isnt good I know. and im very worried i shall now be slammed with charges and hiked up interest rates..there is a large equity on my house which i would like to have stayed there..... I was told to email them my complaint to Future and i would get a response...so if anyone else would like to complain or get an explanation be my guest ok im not allowed to enter the email address...just call and ask for the email address to citigroup...to be addressed for the attention of Customer relations I can not find anything about this company it sounds like a credit/debt recovery company to me and we should all be very watchful of what they do..to be told its been done already and to talk to Engage about my mortgage worries from the 5th nov fills be with horror...I took my mortgage out with Future not Engage and when i get myself a new job and get straight I was looking to move my mortgage as its only interest only and has just gone down..what chance do i have now if its held by a debt company....views pleeeese