Help-has my SARN caught them out!

To recap - B&W claim I owe them 31K - here are my findings from SARN Monies owed when I handed keys back 65,689.07 - the 31K is interest of 10K (took them 2 years to sell as they kept rejecting better offers!), fees of 3K, loss on sale 21K less my endowment they cashed in of 3K. They could have sold the property for 7K more, two months after repossession but from the docs I received when I SARNed them, they turned this and subsequent higher offers down. Notes on the offers say things like the purchaser (at 52K) was renting property on same street and was ready to buy. Agents were obviously amazed that B&W turned him down as there are exclamation marks and advice to sell. On this same form where it has "Loss details/recovery action" it says: Current debt 66,279 indemnity 13,500 break even value 52,779

Based on this, their loss would have been a measly 779pounds but they still didn't accept!!! This brings me to the next point - when I took out the mortgage for 65,250 - B&W advanced 51,750 and a guarantee was given by Sun Alliance for the remaining 13,500. I paid a one-time fee of 607.50 for this. (My endowment was also with Sun Alliance (paid mthly) which I presume is something different??) I have asked B&W 3 times for copy of MIG but they keep refusing and there is nothing in SARN docs showing whether they got anything back from Sun Alliance other than the 3K from cashing in the endowment.

Where do I stand on this 13,500? Sun Alliance have never come after me for this and don't appear to have gone after B&W either? If I am not responsible for the 13,500 then according to my belief I don't owe B&W anything as it was their own stupid fault that they didn't sell a month after repossession for a much higher price. They let the property sit there and rot for two years which seems daft to me!

Please advise me on where I stand with this indemnity. Oh, on one of their "compliance notes" it states BandW Loss 16648.78 and MIG loss 18065.01. If B&W had sold at 52K, there would have been no interest of 10K plus 7K more from the sale so the BandW loss would have been 0.00.

Another doc says Actual Loss 32,796.98 broken down as Normal Loss 14631.97 and Claim 18065.01? How do I treat this indemnity/claim/MIG loss? I really want to go on with this fight especially if B&W aren't responsible for this 13.5K and it has been written off. Sorry about the length of this msg but hope it makes some sense.

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