They probably do not think it is in their interests to negotiate in the sense that you (probably) mean it. They will get the most amount of money out of you by frightening you into thinking you will lose a court case. To understand their motivation for acting the way they do you need to read the Repossession section and its Do's and Don't section carefully, particularly:(posted 8411 days ago)Why lenders refuse to supply documents http://www.home-repo.org/reposses/refusal.htm
One reader's findings after serving *two* SARNs on Abbey National http://www.home-repo.org/reposses/sarnresponse.htm
How to use "Disclosure/Discovery" to get documents http://www.home-repo.org/reposses/discovery.htm
What to do when lenders won't cooperate http://www.home-repo.org/dos/whatnext.htm
Hope they help.
Lee