Hi Julie,(posted 8216 days ago)You also need to convince the judge that you dispute the debt and that you want to see evidence that you were not mis-sold the MIG if there was one and evidence that the property was correctly marketed and best value obtained by the lender.
You could make make a payment into court - a Part 36 offer - of £2,000 as settlement in the absence of proof. Given where how far this has already gone you need to see a solicitor and get tailored legal advice.
You should also spend some time reading the Repossession section and its Do's and Don'ts material to get a better idea of your rights and the court process.
Lee