Can you take out some of the bold etc, so that we can see the actual figures.(posted 8304 days ago)First and foremost, you need to get documentation from them confirming their accountancy. There will undoubtably be some fees they incurred, but there was a little equity still in the property and this will have been used (46500 sp - (41000+2500)=3000). Estate agency fees will be approx 2% of the sp, say 1000, leaving 2000 to cover repossession fees and the rest. This should have been adequate although you don't say how long the property was in their hands prior to sale (every month increases your arrears by the missing payment)...So I'd strongly suggest getting them to account for things although there isn't a full picture here.
You will disappear off the bad-debt list once you settle - you can make it a condition of the settlement - but there also a 'repossessed list', which it is more difficult to get off. Others know more about this than me.