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Nice way to call their bluff, I assume you're not aware of the going rate for some debt recovery agents though?
Bluff?
http://www.danielssilverman.co.uk/services.php?sid=3&gclid=CM79ue_SqbgCFZLItAodLVAAcw
Daniels Silverman said:“No recovery – No fee”
Daniels Silverman operates on a no recovery no fee basis for pre-legal collections (95% of cases). There are no hidden costs. If we do not recover your debt, you do not pay.