That's a reasonable call, and to be fair to the tenants; it might have been less than I remember. I haven't got the details to hand, so I can't check.

But without going into detail, I definitely buried my head in the sand too much, and they did pay a small amount at one stage to make me think it might be okay. It was sixteen years ago now, and I've thankfully forgotten a lot of it.

I do remember that I had to restart the whole process when it was thrown out because a date was wrong on a letter. I wasted a whole heap of time trying to get the judge to reverse that decision rather than moving on and starting again.

Anyway, like I said, I was very naive back then, and made lots of mistakes.