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Hi thank you for your message, please note that I will look to provide an accurate but nevertheless speedy reply to your inquiry. I am sorry to hear about your situation but I will endeavour to help you today.
Well you can stop paying and they will need to try and bring legal action against you for the debt but if they cannot prove you took out the debt then they will not succeed. I trust this assists
Yes the county court. I trust this assists
Happy to help, take care