Thanks to all the helpful advice given on this site me and my partner sarned the halifax over our shortfall and discovered a few mistakes including the fact that they had withheld the house from sale for 2 years with a view to renting it and tried to charge me for maintenance and interest while they faffed around.We questioned them about this repeatedly and they offered us settlement of a £33000 shortfall for £5000.I said no ,pointed out more inaccuracies and offered them £800.They said this wasnt enough.I sent another list of unanswerable questions regarding the sale and an offer of £1000 and ive just got a letter telling me they have accepted my offer.Thankyou to all concerned(posted 7888 days ago)