i dun want to reveal the banks name as even though i hate them, i might cause conflict and hurt people on this forum....

so i've been contacted by many people so far. but most of it also can
't give me a good market value.

some banks say 75k, some banks say 80k.
very dificult la, if not for my penalty, i will refinance. i just need extra to pay of that penalty. now im stuck with high interest,...

sob!