Sorry, just remembereed this one - My husband and his ex were offered £21k for the house December 1994 after years of repayment problems. NHL would not agree to this shortfall, repossossed within 6 months and sold the house for £14k instead. To me, that doen't sound fair but I always assumed we could not prove it - well there is a note in the SARs gumph about the phone conversation which does. Would this make any difference to us now?(posted 7533 days ago)