There are many lenders you can approach - personally I would make A.N."off" the list or a desperate last measure. I don't suppose for one minute that they've let you off any money that you REALLY owed them - possibly a 'false shortfall' amount and that's your lot.(posted 8065 days ago)Ignore the dire warnings of Job's Comforter - at least he hasn't advised you to go bankrupt, which is his norm. Good luck, Joy