regarding civil/criminal...
yep, the original contracts for sale are civil
Fraud however...criminal law through and through.
I share your lack of concern too. It's the typical email* both the police and lawyers send to begin with attempting to intimidate the opposing party to prevent them from taking any further action due to worrying about the consequences.
I used to work in a law centre pro bono. Insurance companies versions are normally the most amusing...and full of cr*p
edit: *email? should have been letter. I have never had to read an email before!