Own my primary resendence - Bought an investment property - investment property in severe negative equity (as with loads of people). Tried to sell investment property but bank said I did not have sufficient income to be able to service the remaining debt. Met bank to set up tempory payment scheme as property was unoccupied for some time. Got letter in writing from bank agreeing this payment scheme was implemented - but they continued to take full repayment from my a/c, I have rang bank on numerous occaisions ( approx 15 times between Sept - date) to try to get this issue sorted... they say they will ring me back but NEVER do. Keep getting standard letters from them that I am missing my payments and threatening possibly taking further action. I have written to the bank also - still no reply. My concern is obviously they can sell the house from under me, but can the place a judgement on my primary residence (average house - young family). I am lucky that this is the only debt I have but am EXTREMELY worried (causing sleepless nights, stress, panic attacks) that they will try to attach to my home even though primary residence was not taken into account when they gave me investment mortgage - I am awaiting a call from them by close of business today... Heard that before!!!!!!!!!!!!!!