Help - how do I get anywhere?

I've just recently had those nice letters asking for full and final settlement. There asking £3500 (originally £5k) for a £9k debt? I have been on the electoral roll since my repo in 96, but the have only just sent me this! IS this RIGHT and legal? They never contacted me over the whole affair.

They have added a load of "costs" and interest on a £2k shortfall making £9k? Is this right? What do I do? How do I challenge this?

I feel they sold under the market value too. I have now got a written statement from the new owner who said they would have paid more but was not asked too?

Any Help out there? What can I legally ask for from the Banks?

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