Share Your Story
If you have experienced unclear charges, disputed liability, poor communication, weak transparency, or other unfair factoring practices, you can share your experience here. The purpose of this page is to help highlight the extent of the factoring problem across Scotland through real homeowner experiences.
All stories are published anonymously. Your name will not be published on the website. The purpose of this page is to share homeowner experiences, not to identify individual people.
Please do not include the name of any factor, any factor’s address, or the name of any member of staff. Please also avoid including unnecessary personal details, account numbers, signatures, or any other identifying information.
Submissions are reviewed before publication. Stories may be edited for clarity, length, privacy, and legal reasons before any part is published.
Anonymous publication only
Every story published on the site is published anonymously. Your experience matters, but your identity will not be made public.
No factor names or staff names
Do not include the name of the factor, office address, or the names of any individual staff members in your submission.
Reviewed before publication
Nothing is published automatically. Each submission is reviewed carefully before any part is used on the website.
Why your story matters
Real homeowner experiences help show how widespread these issues are across Scotland and help others realise they are not alone.
Why we publish homeowner experiences
Too many homeowners feel isolated when facing unclear charges, disputed liabilities, poor repair handling, weak communication, and dismissive responses. By publishing homeowner experiences anonymously, Rage Against Factors can help expose the wider pattern and show the scale of the problem across Scotland.
To show repeated patterns
When similar experiences are shared again and again, it becomes harder to dismiss them as isolated incidents.
To help other homeowners
Reading the experiences of others can help homeowners recognise problems and feel less alone.
To support the wider campaign
Anonymous real-life accounts help demonstrate why stronger transparency, accountability, and reform are needed.
What to include — and what not to include
What you can include
- Your experience of unclear or disputed charges
- Problems with repairs, communication, or transparency
- How the issue affected you
- What happened when you challenged it
- Why you believe the issue was unfair or wrong
What you must not include
- The name of the factor
- The address of the factor
- The name of any staff member
- Your own account numbers or sensitive personal data
- Unnecessary identifying details about other people
Use the form below
Please write as clearly as you can, but do not worry about making it perfect. What matters is the substance of your experience. Your story will be reviewed before publication and, if used, it will be published anonymously.
After you submit
Your submission is received
The submission comes in for review through the website form.
It is checked before publication
Submissions are reviewed to ensure they are suitable, anonymous, and appropriate for publication.
Identifying details are removed
If a story is published, identifying details are excluded so the published account remains anonymous.
Your experience helps highlight the wider problem
Anonymous stories help show the scale of the factoring problem across Scotland and support the wider call for change.
Your experience matters — and you are not alone.
Anonymous homeowner experiences help expose recurring patterns, support others, and strengthen the case for fairness, transparency, and accountability.