Lenders nearly always sell security properties for less than their true market value. They’ll justify this with all sorts of reasons. But courts do not just accept their reasoning if you can show that the price they accepted fell seriously short of independent valuations. Courts are even less happy with lenders who refuse to deal with your doubts over the sale price before suing you.
Either pay surveyors to value the property or get two sales particulars for it drawn up by estate agents, including an asking price. It's a lot harder to get it valued eight years later when you are being chased for a shortfall.
If the price the lender sells it for falls far short of these valuations and it chases you for the shortfall, you should not do anything except continually require the lender to explain its marketing techniques and how it arrived at the sale price.
Do not tell the lender the valuations you got until they have done this.
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