The Good Guys - and I thought I was cynical!!! However, you may have a point, although Hypothecation could be writing for Engage Credit. Hypothecation - a "Google" search shows a big fat Zero in respect of Engage Credit - perhaps you can enlighten us mere mortals as to where your information was obtained?

Red11 - Bobthe Crate has a valid point. Future Mortgages (and their parent company, Citibank) are not idiots - even if they act like them! The actions of Wallers, acting for Future Mortgages, appears to have been an opportunistic attempt to a) attempt some last minute repossessions, and b) "fee-building" exercise. The fees debited to our mortgage accounts by Wallers need to be challenged - especially when there were no grounds for action in the first place. I do not know if FSA have any control over the actions of Solicitors - but the entire matter of the handling of the accounts has been presented to FSA. The more people who "come on board" then the stronger our case for a full investigation of the books of Future Mortgages and Wallers!

I have also received the letter from Future Mortgages advising that the account was going to Engage Credit Ltd. Problems have been experienced with Future Mortgages, and a firm of Solicitors acting for them - Wallers of Newcastle culminating very recently in an Eviction Order. Despite making agreed payments - in cash! - to the Future Mortgage account, Wallers advised me that their records - via Future - showed missed payments, and Registered letters had been returned. I was able to prove payments (although Future have previously "lost" a payment of £1,250) and the eviction order was lifted - but then it should never have reached that stage had Future - and Wallers - acted in a professional manner. Wallers, and Future Mortgages, have consistently sent mail to an incorrect address - and then used the excuse that mail was unanswered or returned. Has anyome else had this experience? I referred the matter to my MP and he has referred the matter to the FSA. It may be useful to know if other clients of Future Mortgages have experienced similiar problems with both Future and their Solicitors.