Just to let you all know that after nearly 7 years of stress etc - NHL/PARAGON FINANCE have finally accepted a settlement!!!(posted 7940 days ago)I did everything that was explained on this site and I hate to tell you all that you are wasting your time. A lender can sell a repossessed house for 'a reasonable amount', so our arguments regarding undervalues etc are a complete waste of time, money and effort. Just accept the debt, come to a full and final settlement arrangement and then get on with your lives. This upset has cost our family so much, and not just in monetary terms, that I wish I had asked for a settlement years ago. National Home Loans/Paragon were asking us for a shortfall of £33000.00. Our house was valued at £92500.00 and sold for £55000.00. Then interest was added!!! We have just settled with them for £6000.00 - sounds a lot but better than £33000.00!!! It's finished, over, settled - thank god!!!!
Best of luck to all of you - WE ARE STILL THE VICTIMS.