i am in the same boat as your friend i have waited the 13 weeks and got a payment for my intrest but they sent forms wanting to know how much the original mortgage was for and if i had had any extra money on top for home improvements and so on and they will only pay intrest for certain home improvements they agreed to pay the intrest for my bathroom revamp and i have a shortfall of �148 per month to find god knows where its going to come from but at least i am not being reposesed YET oh and they do backdate the claim so any arrears are usuall paid off