my house was repossessed by the halifax and sold on by them. when the house was eventually resold 12 months later i was sent a final statement and on it they have charged me fees and penalties from the day i first missed my mortgage and on the missed payments from the time i was evicted until the house was sold. due to this there was a shortfall in the amount available to pay off a secured loan on the house. can they do this? please help. thanks in advance