Hi Gary,(posted 8446 days ago)Thanks for your private post and I'm glad you found a resolution to your shortfall situation which suited you.
Those posts which mention estoppel are quite a way down the Q&A board, incidentally, for anyone who's interested in reading them, under the headings 'Estoppel' and 'Unusual Shortfall Repossession Case'. They discuss in particular undue delay on the part of the lenders in contacting ex borrowers about alleged shortfalls.
all best,