We are in a very similar situation to you. Coventry BS repossessed our house in 1996. Sold it for less than we thought they should have then we didn't hear anything until July 2000. Then they started chasing us for £48,000. Found this web site and it has been excellent. We have followed all the guidelines (without a solicitor) and today we have had our offer of £2,000 in full and final settlement accepted. CANNOT BELIEVE IT!! We never thought this would happen. All I can say is - KEEP GOING!! You can put the matter behind you. Look at this web site very carefully. Follow the do's and don'ts. Compose all of your letters with care. Do not give anything away. Serve the Subject Access Rights Notices as seen on this site. KEEP ASKING FOR THE INFORMATION. Always be polite and reasonable in your letters. Do not panic when they threaten you with court action. They do not want to go to court. If they do not give you the information you want keep stressing that you really want to assess their claim but cannot do so until they provide you with all the necessary information etc. etc. This looks good on your part as if you really want to pay them but they are not coming up with the goods. If you are ever not sure of anything post a question on this web site. The answers I have had from here have helped us achieve exactly what you want - PUTTING THE WHOLE THING BEHIND YOU AND GETTING ON WITH YOUR LIFE. Do not feel threatened, send them your valuation showing they undersold the property. Keep fighting your corner. You are not alone. You can do this and win!!! We are the proof!!!!(posted 8461 days ago)Alena