It isn't her's any more - the debts against it are - mortgage, council tax, utilities, etc. She has not repaid the monthly sums which were fixed under her IVA by the court whereby should would only pay back around 40% of her debts anyway. She now owes around £2.5mil - mostly to HMRC, accountants and solicitors. She just thinks they will write it all off if she waits long enough. Never mind the smaller amounts owed to local businesses. She is an utter disgrace. My husband was contacted by HMRC last year and told he owed them over £2,000. This was pretty funny as they had recently refunded him this amount after receiving his accounts from his accountant. He was given one month to pay or fines would be levied, bailiffs may be employed. £2,000 for a normal working bloke and they are gonna come after him. £2,500,000 at least £900k of which is owed to HMRC and they aren't bleeping bovvered! She should be in a debtors' prison like in Victorian times. She had 6 different holidays/breaks last year - we had none like most people on here.