You certaintly need to SARN the lender, I too am in conflict with B&W and thet are very slapdash on the paperwork side of things. My SARN turned up loads of irregularities. ie the use of an Estate Agent now bankrupt, who was illegally trading and falsely charging VAT when not even Registered for VAT. YOu never Know what your SARN might turn up, so spend a tenner as it might be the best tenner you have ever spent.(posted 7666 days ago)PS. I now have a specialist shortfall solicitor handling things for me.
Good Luck Dean.