Thank you for your reply, so are you saying ignore them as they are empty threats? As I said I don't want to end up in court or paying out more than necessary. Regards Mark

I have received an email from united kash stating that they have taken over my account from different money, i took out a small loan of £300 but got into more financial difficulties since. i haven't been able to pay them back but i have just received an email stating that they will accept £413 as a full settlement, otherwise they are going to take further action. Will that involve courts as i don't want that, just need some advice as to what to do. Tanks