I'd be reluctant to draw conclusions on under- or over-development based on scanning. I've found that some negatives scan and print equally well but others just scan terribly but print fine (or occasionally are harder to print than to scan). The scanner itself and the scanner software can both affect how a negative scans, and I can easily imagine problems in the hardware, the software, or the software's settings that would produce symptoms such as those you describe. Even though you say the scanner's worked fine before (I presume with commercially processed negatives), that doesn't necessarily mean that there's a problem with your current negatives. It could just be that you found scanner settings that worked with your commercially processed (perhaps overdeveloped) negatives and you must therefore tweak those settings differently to get good results with the negatives you've processed yourself. A common complaint, incidentally, is that commercial labs tend to overdevelop B&W film, so this is a plausible scenario.
Another point: Even for printing, a "properly processed" negative can mean different things to different people. Your choice of enlarger (condenser vs. diffusion), for instance, can make a difference in how you'd want to process film.
That said, if you don't have access to a darkroom, you'll have a hard time determining whether the negatives are really properly processed from a printing perspective. Perhaps you could send strips to two or three people to evaluate. I'd be willing to do so, but I'm in the US, and I'm sure shipping within Israel would be cheaper. If you expect to only scan the negatives and not print them conventionally, getting optimal scans should of course take priority over getting negatives that would print well.