First of all you sound like you are on a tight budget so you dont go taking Loans out just to try and get these Solicitors off your back You would be better to go and see a Debt advisor at the CAB or Welfare Rights if there is one were you Live.(posted 8666 days ago)Then let them look at the whole position and advise you!also you could and they usual do anyway contact these Solicitors that they are looking at your problem.
So dont panic-seek help and take it stage by stage
Good Luck
Charles Twford