nationwide repo

home repo'd in 1996 shortfall letter arrived in dec 1999 managed to reduce one off payment from £42000 to £5000 which we paid in dec 2000 had a letter of finality in jan 2001 we had three endowment policies to cover mortgage - 2 with standard life which were cashed in & paid to n/wide and a 3rd with guardian royal exchange royal exchange one is still standing (not being paid) I checked surrender value in jan 2000 & was told a letter of non-interest by b/soc was needed before cashing in how can i get this money back? thanks

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