If you are the same Mat Carter aka A Noyd then your details don't seem to tally between different postings. This site is obviously read by people chasing debts for lenders and some of the postings are clearly intended to demoralise and confuse genuine people in situations of varying degrees of distress.(posted 8032 days ago)If you are genuinely seeking advice here then I suggest that you take the time and trouble to read the sections of the site dealing with repossession and shortfall demands, and look at the Q&A section. There should be more than enough advice there for you.