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Why did you agree to repay it please?
And that was in writing?
You said: "I agreed to pay it back and put in writing that I owe them the money, "
If you agreed in writing then its bad news - you are liable
If you had not agreed to pay it back then you would not be liable
But because you have this in writing this is a promise and they can sue on this
I am sorry if this is not the answer you want and certainly not the one I want to give you, but I have a duty to be honest
Can I clarify anything for you about this today please?
I am sorry its not better news
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