Keep all the documentation about the market valuation you had done (if it were me I'd get another one just to be on the safe side and *don't* whatever you do mention anything about repossession to the estate agent/valuer). If the worst comes to worst, and the lender repossesses, you can use these valuations to argue that if it sells the house for significantly less, then the lender has not achieved the full market value, and you are not responsible for any 'shortfall' created. I think (though please correct me if I'm wrong, somebody) that the lender can seel within 10% of a valuation (a *proper* independent valuation, that is) without being deemed to be negligent.(posted 8477 days ago)Good luck. I hope you don't lose your home.