Response to Defending Myself ...

Oscar,

Signing over a property as a means of of protecting it from creditors won't work. I believe that any such "agreement" could be 'undone' by the Courts. Think about it, if this were possible, people would be doing it all the time and lenders would probably go out of business. Anyway, best to speak to a professional adviser - you could try Simon Wiggins on his website, go to www.debtquestions.co.uk

Re debt collectors harrassment - I would contact the OFT, there are now stringent new regulations regarding this.

Mark.

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