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I don't disagree with that; I'm just saying that Julian would be wise to pay the debt promptly whether they apologise or not. There should be no linkage of the two, because their shoddy treatment of Julian is no defence for him not paying his debt. (Even though I totally understand why he'd...

In this instance, the supplier - the tile shop - is the victim.

As far as I'm aware, it is not an element of proof of either fraud or theft that the victim first write an apology letter. :D I get that that's your inclination, but this is really a legal question, and several lawyers have answered.