I have desperately searched for the answer to this to no avail. Does the Housing Act which the council implements in relation to private landlord behaviour and housing standards apply to the councils own housing stock as well?

Firstly, thanks for all the replies. Sadly it wasn't what I wanted to hear. Oh well So Pinky69 when you say 'the level of resistance they meet' does that include just ignoring them for three years? ..............Or maybe not. See the way I see it if I can stick it for another three years. Then I'm free.

Hi there Thanks for answering but... um I'm not asking about bank or credit card company behaviour. As I said in the title and opening post I am specifically referring NOT to them but to Debt Collection Agency Behaviour.

I'm just wondering and I did do a search on here yesterday but found no mention of this. Because of the current economic problems in Britain and because so many people are in so much debt - bankruptcys, losing houses etc, does this mean that the debt collection agencies might concentrate less on the small debtors? By small debtors I mean stuff like credit cards say under 2000 pounds. Or will it go the other way and make them even more aggressive towards smaller debtors because they think they have a better chance of getting money out of them than someone who has just had their house repossessed. Has any any ideas on this. Thanks