You don't mention whether or not YBS has obtained a money judgement against you. If not, then you are not legally obliged to provide them with justificiation of your expenditure.(posted 8110 days ago)Although you've got a breakdown of the charges when the house was repo'd, you should go further than this and ask for justification of their charges. One area where the charges seem to be excessive is with estate agents fees. Read through this website for samples of the letters which some have written, then write yourself and ask for the documentation you need.