Yes the bank have a duty to write to you within 28 days to let you know your liability of the debt (if any) and the agreement (mortgage) with them. I am not too sure but if the security was over the amount then surely you have a legal claim to the "profit" realised, but as I say I am not sure on this.(posted 7744 days ago)A SARN should have offered you a lot more than 8 pages. If they do not co-operate with the SARN seek an assessment with the Information Commissioner.