Hi After receiving a letter from Engage Credit I have finally after 2 weeks just spoken to 3 different people from there. As they were cagey about the responses given to me regarding the questions I kept asking them, I asked to speak to someone in authority, so I finally spoke to a manager there who seemed to give slightly more answers! All well rehearsed to deal with the bombardment of the questions from FM Customers! He explained that they are a newly formed company only been going for 2 weeks this is why nothing shows on search engines on the internet (which explains why 2 weeks ago I could not get hold of them when Future Mortgages said they were now dealing with my Mortgage and to wait for a letter from them), They are a Glorified DEBT collector and anyone who has had up and down dealings with FM and not kept to their agreement would have had their Mortgage passed to them. After going to Court against FM in October where they had tried to get a judgement passed on the arrears they thought I owed. After proving they had "lost" some of my payments (luckily I Kept all my receipts) FM figures were incorrect against mine the Judge adjourned it as he told them to go back and get the correct figures! So for all the Charges they gave me for their mistakes was a Joke! Now all of a sudden they have fobbed me off to Engage Credit hence in the title to engage Credit! They are technically not a Mortgage Company as they cannot do re-mortgages, set payments or rates, sell mortgages or enter into discussion about the Mortgage terms, so this means you do not have a mortgage company as this is now with a Debt recovery operator under a fancy name! PS They said they were not part of any other Company as I did ask this and if they had nothing to hide why would they not disclose they were part of another bank?????