Nothing on the line.
- no criminal conviction
- no risk to her credit record
- no chance of a CCJ
worse case scenario is the bill goes up to £200 including court costs. (£35 + £35 from memory)
These scammers rely on people like Mrs securespark to be frightened in to paying.
If you think you cannot persuade her otherwise. The following reply:
"I acknowledge receipt of your standard reply letter dated xx. You do not appear to have properly read my response to your 'claim'. In any case, I have subsequently taken advice on this matter and have been advised that you have zero chance of success if you choose to bring a claim against me, due to the procedural failures I have already pointed out. Should you decide to bring your claim in my local county court, I will rigorously defend the claim and put you to proof of contract and compliance with the necessary requirements of Schedule 4 pof act, which you have failed to comply with. However, against the advice I have received and in light of your failures to allow me to address your lower claim amount, I am willing to offer without prejudice, in full and final settlement the amount of £xx (the original early payment fee) and enclose a cheque for the value."
written in a rush, you'll need to tidy.
If they cash it - they cannot come back for more.
Done that. But ultimately, it is her neck that she perceives is on the line.
Who is the RK? you or her?
