I've searched the Natwest website for a two-factor authentication option and failed to find anything. I've used the site complaint form to ask about this and received no reply. Does anyone know if the site provides this facility?

Firstly, I need to say that I live in Scotland, in case this makes any difference to the law involved. I own a flat in a tenement building that I rent out. Common charges are dealt with by a factor who then bills the owners. My bills are sent to my home address for my attention, so it is clear that the factors are aware that I don't live in the premises & have my home address. Some time ago, the factors got in touch with all owners to advise that major work was required on the building & each owner would have to pay around £3900 in advance to have this done. I paid my share as requested. Several months after this, they advised that the work was going ahead, and scaffolding was erected. The contractor then contacted me to advise that they required access to my flat, and the work would entail the complete removal of the bay window at the front, which would then be rebuilt. My tenant, who had one month still to run on her lease, understandably moved out. Three months later, I received a bill from the factor & sent them an email advising that as I was not now receiving rent for this flat & had paid nearly £4000 up front for this work, I was not in a position to pay the bill. I then received a council tax demand. I informed the council that owing to the work being carried out, the flat was uninhabitable, and they asked for proof. I emailed the factor asking for this & they ignored my email, resulting in the council sending debt collectors to my door. Eventually I sent a letter to both detailing the situation with copies of my correspondence etc. the factor finally sent a letter, not to myself but to my mother-in-law's address (she also has a property in this building but hers was not affected by the work), confirming that the work had been completed in September 2016. The council tax bill was duly amended, however there remains a bill to be paid from Sept 2016 to March 2017, and also the factor is now asking for payment of their bill. A total of around £1100 for both. My question is, as the factor knew I was not living in the premises, do I have a case for negligence? I asked several times for information on how the work was progressing & when it would be finished (I have emails as proof) and was only advised eventually in January 2017 that it had been completed in September (although, actually it was not complete even when they advised that it was as although the exterior work had been done, there were no windowsills in my flat and plastering work had still to be done, which I got done myself). Do I have a case to take them to the small claims court for the council tax & their own factoring charges for this period?

God isn't that Mel B a common and crass woman and twice as ugly. Just because she was in some skank group doesn't mean she knows anything about the business.

Govan Law Centre has published a free tookit for Scottish homeowners who are unhappy with the service received from their property factors (property managers). The free toolkit, supported by the Esmee Fairbairn Foundation, explains the rights of customers in relation to the relevant law - including the Property Factors (Scotland) Act 2011, which was drafted by GLC for Patricia Ferguson MSP - the registration process for property factors, the statutory Code of Conduct, and the new dispute resolution procedure in Scotland. The toolkit includes illustrative letters of complaint and step-by-step help on how to complete an application to the new Homeowner Housing Panel, with common examples. GLC had spearheaded a campaign over a number of years to regulate the property management industry in Scotland, and provide a consumer-friendly form of alternative dispute resolution for homeowners that had 'legal teeth'. GLC Property Factor Toolkit is available here (opens as PDF). http://govanlc.blogspot.co.uk/2013/11/glc-publish-free-toolkit-for-scottish.html

Hi I own a flat that I rent out. It's the top floor in a tenement building and I pay factors to maintain the communal areas. I also having building insurance through the factors but leave the tenants to obtain their own contents insurance. Over the last few years I have been informed by the tenants that there was water coming through the ceiling. This has happened several times. The factors have fixed the roof (usually telling me there has been a dislodged tile). There has been damage to the ceiling and the most recent occasion has left the kitchen ceiling in a bit of a mess. The factors say that this is not covered by my buildings insurance as this only covers storm damage. I have asked for a list of how many repairs have been done to the roof recently and they sent me a list of 8 repairs which have been done since August 09. My question is: Should I repair the ceiling (I have new tenants moving in next month), or can I ask the factors to take more action? Given the frequency of the roof problems I could be paying for repairs continually over the next few years while the factors take no responsibility. I have asked the factors if they believe the roof is fit for purpose and they have said 'well it's over 30 years old'. They have offered to ask the other flat owners if they would be willing to share the repair bill for my ceiling (not holding out much hope for that one) or share the cost of re-roofing the whole property (which will be very expensive). Is there any other course of action I should be considering? Thanks for your help.

Hi, I am currently living in a flat with a company "Redpath Bruce" being the property factors. Within the flats, we share a drying room and apparently a complaint has been made about my items stored in it. They sent me a letter reading, "We shall be obliged if persons responsible for these items would remove them by Friday, 6th July 2012. The drying room will be inspected on this date and please note any items remaining in the drying room after expiry of the time limit given will be uplifted and disposed of". Are they within their rights to do this? I am living in Glasgow, UK. Property Factors (Scotland) Act 2011: legislation.gov.uk/asp/2011/8/enacted Thanks.