What you are saying I think is that B&W want you to pay 10% of £31,000 since your ex paid £1,000. You already offered £2,500 which was refused, but they presumably are after £3,100. Unless you are prepared to work hard at getting them to justify their claim with SARNs (see repossession section on this site) and try to find some leverage in order to argue that the property was mis-sold for example, then I would suggest that you are getting a reasonable settlement deal here. Perhaps you should bite the bullet and get them to put the 10% offer in writing? If you've already sent them an I&E form 18 months ago then I would argue that they have enough information on which to settle. You may be much better off than you were back then however, so if I were you I think I'd try to get settled for 10%. If my lender offers me this I won't hesitate.(posted 8009 days ago)Good luck