it would be very rare not to get a criminal conviction once infront of the judge.
it might be better to rephrase the last bit to you have offered to fully settle numerous times before our, but have been refused.
Don't touch them owe me £500 since January 2019 make excuse after excuse. Seem they always have software problems sending money out. Keep saying they will call back or email nothing been chasing it now for 6 mths the phone staff always have the same banter we will chase it up and get back to you then nothing!