Response to Estoppel

What about Evershit's letter's worded along the lines of "unless we hear how you plan to settle the debt, we will take legal action (post haste)/start bankrurptcy proceeding's within 7 days" etc etc. Considering that many of us have had numerous letters along these lines (mine was several months ago)then ..... nothing ! Surely after a reasonable amount of time, I could be expected to get on with my life/take on new commitments in the knowledge that the threatened legal proceeding's didn't transpire. Estoppel ?!?

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