The return text following Tony's concerns of money transfer and Terry transfer was a turning point. He knew he had to pay up and was now convinced that the kidnappers held all the cards. The articulate, almost polite nature of their texts and notes convinced him that these people were real professionals. Everything precise and well-timed. He had little option but to pay up if he wanted to see Terry again. £400,000 would hurt, but the business was cash-rich, and consequently, so was he... but rather mean.
He would pay up and find and kill the bastards later.