HEY! I JUST HAD A LIGHTBULB MOMENT
She offered the drug debt enforcers her laptop and other valuable goods, plus £250 in "a couple of weeks", but this was weeks ago.
You said "until she is seriously threatened". I think she HAS been. Remember those bruises on her face and nose around 3-4 weeks ago? I think it was them. She offered the goods & £250. They refused & knocked her about a bit, promising to come back for the £400. It explains those bruises. I thought at the time it was Ste, but this scenario fits perfectly in the timeframe jigsaw.
Then the other day, they came a-calling....
She's in danger now, the fool.