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Thank you. I assume that the costs they would be pursuing you for, of they were to go that far, would be below £10,000. In that case the matter would be gong in the small claims court, which is the preferred venue for smaller claims. You do not need legal representation to defend a claim so if needed you can do this yourself. The procedure is not too complex.
Another positive is that even if they were to claim and win, you would not be responsible for their legal costs because in the small claims court each party pay for their own legal costs. So you would then have to pay for whatever the curt believes you should owe them and at least then you know that a court of law has decided you were in the wrong and you must pay. But at least you would not be penalised excessively by having to pay the claimant’s legal costs as well. And as mentioned there is no guarantee they will ever go as far as making a court claim