One can never Presume in law That it will go onto Formal Proceedings There are alot of excuses by both parties before it comes to that stage! If only the Law was so simple-but is not infact there are many out there who are not even Registered and this Includes Solicitors and Accountants-The normal citizen has little rights-when it comes to these sort of things-All thes Bodies are setup with good measure-but when it comes to practise NO!!!!(posted 8701 days ago)By all means follow this answer but do not let it detract from your main problem -the Shortfall! we mentioned earlier
Regards
Charles Twford