Guy,(posted 8495 days ago)When the lender wrote you the 'heavier' letter threatening court action (eg bankruptcy, which is a court-based process) did they place a time limit on your response?
It's just that if the lender (or the lender's lawyers or the lenders' agents) said, or stongly implied, that they would take you to court if you didn't do what they wanted within X days, but then didn't follow through on this threat, then the lender could be on a very sticky wicket. These days Civil Procedure Rules don't encourage this kind of behaviour at all.