I won!! £3,000 full and final for a £36,000 shortfall. Just follow the advice on this site and be hard with them. You hold the cards not them, It's those greedy b*ggers that want something. I think it was lets see the MIG then and "I'd sooner spend the money with a solicitor than give it to you" that finally made them fold(posted 7164 days ago)Good luck to all.