Ha ha! B&W couldn't defend their actions, stand your ground and very well done on the SARN! You need to get your figurework in date order, ending with the most current figures...but at first glance the situation is this:(posted 7995 days ago)Alleged Lender loss is 14,631.97 on main advance The MIG amount insured and which could be potentially paid out to Lender is 18,065 The 13,500 needs clarification but I think you'll find that the 13,500 amount was advanced by B&W under a MIG. 13,500 is the amount they were actually paid by RSA under the MIG and the difference between that and the 18,065 has been added to your debt.
B&W can chase for the 13,500 under Rights of Subrogation, exercised by RSA when the payout is made (date is important in my own opinion because I believe the payout part is debt simple and has a 6 year shelf life) The alleged (and indefensible) 14,631 is probably a specialty debt and will carry a 12 year sentence...and the difference between the MIG payout and the policy loss (of 4,565)is probably a debt simple too. However all this is academic, as if they had an offer which would have cleared the debt, they have to explain to the judge why it wasn't accepted. (Bear in mind they don't have to accept an offer, but they would then be in danger of breaching their duty of care to obtain the best possible price etc etc)
Best of luck!