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I think a word against word will go 50/50 unless you can use those text messages as evidence.
That pay in installments is total BS. Do not do that. You already know the guy is a grade A+ prick. If you even get the first payment that will be it.
I would record it with the police now and then tell him you have taken advice from the management company and you want all the money this week or they are going to take the text messages and photos and screw him (even if that is not true).
Also I am +1 for a non fault claim making no difference to my premium, actually came down.
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