Response to Shortfall Morgage Repossesion - Dont know what to do

I would say that since you own your current flat you know the rigamarole you had to go through to sign all those papers...if you were never party to a similar procedure in the house then what you are talking about is the [criminal] offence of fraud. Go to the police and report it and get a copy of the incident report. Hand it to the debt collectors (keeping a copy for yourself) and let them deal with it. Somehow I think there may be more to this than you suggest, as although I have a very low opinion of most Lenders, the Woolwich would have needed your and your partner's proof of income, your signature, his signature, a bank or building society account, credit history and undoubtedly a meeting along the way. Tad hard to forget all of that don't you think?

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