I spoke with Woolwich in August last year about additional borrowing: they claimed I needed to move to a capital repayment to qualify.
I told them if I could secure the borrowing I would make the change.
Next thing I know I have an arrears letter for 2400GBP claiming that this phone call had allowed them to make the change and that I owed them an additional 345GBP per month through last 5 months of the year.
When I called to complain the first two or three people said they could not find any reason for the change and it should stay as interest only.
Finally today I speak