Hang on in there mate. I am not a financial expert at all, and am in this just to help out my brother who has had his fair share of charges. Stay calm and remember that they will have to produce their costs if it goes to court. If their costs are excessive, (which we as a nation all think they are, or wouldn't be doing this) then they are guilty. They are probably just trying to sweat you out in the hope you will be intimidated by action and will forget about it. Hang on in there and pkeep us posted on your progress?