Bank ignored medical expenses in informal arrangement

zxcvbnm

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Me and my sister have been in negotiations with bank trying to come to some informal agreement with bank on residual debt.

Properties are sold - it's just a case of negotiating write down on residual debt.
It involves me and my sister. Some debts are solo and some joint.

We submitted FSA. In it, my sister was running a monthly loss due to medical expenses.

We offered supporting documentation on request. It was never requested.

I'm really surprised they basically ignored her medical situation in their offer.
Is this normal ? My understanding is that in the insolvency route it would be factored in.
 
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