Before this thread gets completely out of hand and insults start flying even thicker, can I just observe that most problems in life are sorted by compromise. Compromise allows both parties in a dispute to achieve closure. Few of us can claim in honesty to be 100% right and 100% the victim in our shortfall claim fight. Seeking a reasonable settlement is not giving in and doesn't have to include acknowledgement of debt either.(posted 7953 days ago)