hi.
i am in exactly the same position.
I even have letters dated the same!
The threats are also the same.
I am not in the position to pay much but think I will make an offer of a monthly amount.
They left me high and dry a few tears ago so I couldn't even finish my course!
I would like to fight this but right now can't as I have other stuff going on.
I hope we can somehow beat these companies.
If any one can help then it would be appreciated.......