Response to Debt collection and legal action

Personally, if this was my situation (and if they are within the six years limit of course,) I would find the 1500 pounds and pay it. You have been offered a very good settlement if the actual shortfall is much much higher as you say. I haven't ever seen an offer that came down to such a small amount from such a high one. You are facing years of aggro otherwise, believe me, they don't give up.

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