I was BR sept 09 and waiting to see what happens with our home as I have equity, the level of the equity is of some debate though as the OR has said they've done a driveby valuation and valued at 145k but I have a kitchen and bathroom that need serious work so I've had estate agents in today who valued at 135k , what happens now? I've asked est agent to put valuation in writing but they weren't keen and I didn't want to beg questions from them by persisting... my creditors meeting is nov 26th and i intend to attend, is it worth me paying for a proper valuation report considering the difference in valuations? I will soon be in the process of making an offer to OR for ben interest in my home and don't know what to offer. Many thanks