DO NOT IGNORE IT!(posted 7529 days ago)If you can pay as you suggest the lender will find this out before going to court (via Tracing agents or THIS SITE if you use your real name). Court Action is usually a commercial decission. More than likely if their is a benefit for them - i.e. you have lump sum / regular cash or assetts available.
It sounds like you do have some or all of the above and based upon the info you have provided I can see no legal defence in any court action the lender takes. A Judge has to base his decision on LAW not emotion.
I would implore you to seek specialist help and not from a normal solicitor as they really do not have a clue and will end up making the matter worse due to their legal bill as well as the lenders defence costs and the debt!
Specialist help can be found from the home repos 'who helps?' section - You would be surpised to know that the 'free help' are the best! but have limited resources, call them!
Good luck.