I completely agree with all the previous reviewers. Unfortunately they are our factoring agent for one of the properties we own. They are without doubt by far, the worst and most expensive factoring agent we have had, and we have had experience of a few!. Like all factoring agents in Scotland they are of course completely profit driven, and the new Scottish legislation doesn't have enough teeth to enforce sanctions and penalties on factoring agents who clearly do not adhere to their own 'best practice' guidelines. I believe property factoring management should be taken out of private companies and be instead governed by local or national governmental agencies or at least ensure the law is tougher on these private companies. They work within a complete monopoly because they know that individual flat owners cannot easily change to other factoring agents unless there is an agreement within the whole building to do so, and of course, this is near impossible. Speirs Gumley take no responsibility whatsoever for anything and get paid management fees regardless, nor do their contractors or sub contractors at any time. It doesn't matter how many errors they make or ex sub contractors make, the owners still have to pay regardless.