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Response to B&B strange phone call

from Lee (repossession@bigfoot.com)
I am surprised at the number of people who contact me through this page who report strange phone calls. Obviously, it is impossible to say whether this phone call is false or not. If she is moving into your area one would imagine that she would be more able to get a view of the private/council house mix by, um, physically looking at the mix of houses. Seems a more British approach than ringing up strangers.

Also, the mix of council houses and private houses in any given postcode is cheaply available through the ACORN system and its variants. You'd also think that a firm of estate agents would, erm, already know the mix...

So I tend to think that she was pulling the wool over your eyes. Whether they *can* go for your current home depends on your level of ownership in it. If you are on the mortgage deeds, yes they can. Otherwise, no they can't.

They don't make decisions that quickly or easily though. There is a great deal of investigation into your circumstances first (and this is already well documented in the Repossession section of this site).

I'll give my standard advice for this situation (and most people choose to ignore it until they have weakened their position further but that is your choice):

Get a decent telephone call recording system (ie not a rubber suction cup device), install it, test it and use it. Tandy sells them for £39.99

Close the joint account with your husband - make your accounts separate and switch to cash for anything you contribute to the household running costs.

You're doing this to protect your husband, as well as yourself.

Keep doing as the page suggests. You have the right to those documents and they will not easily sue you if they have consistently refused to supply them, even though they will not admit this to you.

Lee

(posted 8478 days ago)

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