Maria,(posted 7744 days ago)Firstly, I would recommend following the good advice on the Home Repo site and looking at previous postings, much info can be gleaned there. I would also recommend checking things out with a solicitor or professional adviser. In respect to your first question 'how can I protect what I've got?' I would look into putting it under the name of someone else, although this of course has its dangers. As for the repo notice being sent to the property and not to where they were writing to you, I can't see this helping you much, perhaps someone else knows better? The 12 year issue has been spoken of many times now in earlier postings. If you still have any queries after reading the info on site, come back and post them up.
Best wishes, Mark.