Thanks for your reply Geoff. Not sure if I should divulge the lender and shortfall handler at this stage, in case I throw away the ace!! Do you really think this is an ace? I have advisors (mentioned on this site, who frankly seem to be encouraging me to play along with all the shortfall handler's demands), and they consider the details (as in my question) irrelevant, and that I am legally liable for the debt and that the factors outlined in my question would not stand up in court. I have a shortfall of £8500 (my property was sold for £8000 below market value) and I have offered £2500, but the shortfall handlers have come back saying that they want £4200 and if I pay this then I will not have to divulge any more details of the income and expenditure that I supplied. I cannot afford £2500, let alone £4200. Could I use my ace combined with sale below market value do you think? Not sure what to do really and I am being pressed for a decision urgently.(posted 7823 days ago)Thanks
Tess