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AdamD · 30-11-2010, 17:59

Thanks all for the advice.

My credit report now shows two late payments, not sure if there's any late ones this month so far.

But we've had numerous debt collection companies calling for my uncle of late, Amex, Albion, Risk Management Alternatives, Lloyds Gym and another who's name I forget.

Everytime they call here, he rushes to the phone and says "No David isn't here at the moment".

We had a call 10 minutes ago and the conversation went like this.

David: Hello?
David: No, who's calling?
David: Oh, no he's not here at the moment
David: I'm his brother...no, he hasn't told me about that.....really? No I had no idea
David: How did you get this number? Well he hasn't had email in years, so that can't be right, does he know what this is about?....well I had no idea, but he's not here, so you'll have to call back later.

He hangs up and usually repeats that type of conversation the next day when they call.

We've confronted him about it and he always has an excuse and it's usually someone elses' fault, be it his partners, the banks, or some "miscommunication".

So, I have a question

When we bought this house, the mortgage was 138k and my dad put down a 40k deposit.

If the debt collectors come calling, could they take (A) the house and (B) the original deposit my dad put down?

30-11-2010, 17:59	#29
AdamD Inactive Join Date: Nov 2004 Services: VM 50Mb Posts: 1,665	Re: Need some housing advice. Thanks all for the advice. My credit report now shows two late payments, not sure if there's any late ones this month so far. But we've had numerous debt collection companies calling for my uncle of late, Amex, Albion, Risk Management Alternatives, Lloyds Gym and another who's name I forget. Everytime they call here, he rushes to the phone and says "No David isn't here at the moment". We had a call 10 minutes ago and the conversation went like this. David: Hello? David: No, who's calling? David: Oh, no he's not here at the moment David: I'm his brother...no, he hasn't told me about that.....really? No I had no idea David: How did you get this number? Well he hasn't had email in years, so that can't be right, does he know what this is about?....well I had no idea, but he's not here, so you'll have to call back later. He hangs up and usually repeats that type of conversation the next day when they call. We've confronted him about it and he always has an excuse and it's usually someone elses' fault, be it his partners, the banks, or some "miscommunication". So, I have a question When we bought this house, the mortgage was 138k and my dad put down a 40k deposit. If the debt collectors come calling, could they take (A) the house and (B) the original deposit my dad put down?