MIG payout

I am currently in negotiations with the Halifax and their solicitors Addleshaw Booth regarding a shortfall claim. I have SARNed the Halifax and they have obliged with a suitablly large dosier. Despite several requests they seem reluctant to supply a simple explaination of how the shortfall amount was arrived at. It would seem that the MIG payout is identical to the sum being claimed although they have not confirmed this. They have also received payouts from the two endowment policies on the mortgage amounting to £6000. Can anyone clarify the situation with regards to lenders that have received payment from the insurance company and are including this figure in the shortfall claim. Any advice greatly received.

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