Lisa,(posted 8112 days ago)have you had any written substantiation of the shortfall detb they allege you owe? If you have - are you satisfied that their claim is correct? If you haven't - you need to send the lender a S.A.R.N. (Subject Access Rights Notice) requesting copies of all documents relating to your case - (data printouts & handwritten documents).Go to REPOSSESSION in the OPTIONS menu & then to DO's and Don'ts, there is a lot of very valuable information there that is essential reading for you. There is also a sample SARN there. The fee for ALL the documents is £10 and NO MORE. You need this info to establish for yourself how they have arrived at the figure they are claiming. If they don't reply or send only partial documentation write to them again asking for a response to your request. Don't make or receive 'phone conversations with them about this matter - only deal in writing, keeping copies of ALL your letters and ALL theirs (and the envelopes their letters come in- (they are dated). Send your SARN/letters by recorded delivery only, as proof.
Good luck.