Response to 1st letter from Halifax demanding shortfall, need help!!!!!

Given that there appears to be only a £6,000 shortfall on the actual sale of the property (£78,000 owing - £72,000 achieved = £6k o/st), I would be fascinated to see the Halifax arithmetic as to how this grew to £33,448 in three years ? Appears worthy of a further nomination for the Nobel Prize for Fiction ?

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