UK Traffic Law
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are you willing to be sued?
The reason you are experiencing delay is that you keep posting before I have responded which pushes the question to the back of my list.
If you are not wiling to be sued then the only option is to pay in full. There is no other way of stamping out the risk.
If you are prepared to run the risk then the chances you would be sued are very low but they do exist. There is no way around that.
Can I clarify anything for you?