Jessie I have just helped in solving a friends shortfall of £12.5k. The building Society wouldn't accept a full and final settlement offer without an Income and Expenditure form being completed. As my friend had no excess income over expenditure I got them to agree to an amount provided I could prove this. They said they would consider the offer when the I & E form was completed. Once we returned the I&E form the offer of £1000 was accepted within a week. Good Luck(posted 7962 days ago)