admission of liability?

hi

can you please confirm and clarify exactly what contitues an admission of liability?

for years, my friend has discussed matters / negotiated a settlement over the phone. in doing so, is this an admission of liability / acknowledgment of the debt? she has also instructed someone in 'litigation' to act on her behalf and they wrote to the bank. is this an admission of liability / acknowledgment of the debt? since her first home was repossessed, she has not made a payment.

thanks for any help / advice.

dippy

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