What typical crap legal advice you've been given. Get to another solicitor - even the CAB - and get help completing the form. You need to file a defence.(posted 8243 days ago)I 'won' my case in that I settled it before it went to court. Believe me, they didn't want to take me there. I paid £1500 in full settlement of an 18,000 shortfall. If it was a simple as your legal avenue stated, ie. 'you owe the money and thats that', why would they have settled? I know a number of other people who've been in this situation and had similar outcomes.
Don't be bullied.
Andy ps: I'd love to know the name of your legal avenue. Why not mail it to me and I'll call them. Its total bollocks advice.