In response to Thomas Carlton's review, James Gibb are owned by Strathspey Capital. This might explain their emphasis on collecting money over customer service.

Great care is obviously taken to window-dress Gibb as a respectable and professional organisation (which I gather it was before Strathspey bought it).

The Scottish Government in the meantime fails to enact the legislation that they drew up with the 'input' of factors and somewhat misleadingly presented to homeowners as the means by which factors would be made to operate to an acceptable standard.

The Government also continues to publicly endorse (at the tax payer's expense) the worst factors by keeping them on the Factor Register, even when they know that these factors are constantly breaking just about every rule in the book.

Factors know they can get away with anything.

Homeowners' concerns are brushed aside and unscrupulous factors are quietly allowed to carry on trading.

We need to know why.