So in essence I should refute their claims and say I am happy to attend any court hearing to defend myself....yes?

I intend composing a letter to them tomorrow, it was suggested I write "that I am not prepared to deal with any further template letters from them and that I would be more than happy to attend any court case"..........what do you think?, please

I too received aletter today which sent me in a right tizz. I have responded to them and denied the accusations, but they say they have not received anything from me - sent last recoded, and if I don't respond in 7 days the price goes up to £1K. Glad to see I am not alone and don't feel so isolated, I too thought it was for the court to decide on any payments.