i am at the stage of waiting for a hearing on halifax shortfall claim , i have filled out the claim form that the property was undersold( sold for £48000 as opposed to average of £54000,mortgage was for £50000 and shortfall claim is for £8000) i have not sarned them but i have found that the two valuations were from agents associated with Halifax. I am confident they have undersold but do i wait for the hearing or make them a small offer of full and final settlement in the meantime as i have said i would like to try and settle as indicated on the allocation questionaire.(posted 7524 days ago)