hello i can help
what are the circumstances please
Are you prepared to risk being sued?
Well, the only way to avoid that for certain is to pay in full.
The truth is they could sue. They probably will not. Solicitors letters are just part of their collection procedure. It is just a letter before action. That doesn't mean they will sue. It is not very cost effective to do so.
However, they could. You cannot hide from that. If they do you can always put them to proof. Some people just cannot cope with the pressure though. If that is your position then the only way to avoid that is to pay in full.
There has been no substantial change in the law though. They always have had a case against you. It is just not one that is cost effective to bring.
Can I clarify anything for you?