people should be careful when posting letters here, simply putting into a letter saying that you consider yourself relieved doesnt mean anything, if anything it actually reads "ive convinced myself im right, irrespective of the facts, so there )
this probabbly sounds odd on such a heavily one sided argument, but can some explain that if you have lend the money, not maintained the facility, then why shouldnt you have to pay it back? Granted, all banks etc have to issue notices in compliance with relevant statutes, but this just seems like a complete avoidance of responsibility.
Im honestly not trying to offend anyone, merely understand the ethos.