I know you don't use your real name
only your handle (lol) but you never know what depths they may sink to in order to get cash out of you. Talking about it lots over several sites may even be seen as an admission on guilt. I know paying the fine could be seen as that too but it's the lesser of two evils imo, and you have your lil ones and the missus to think of too. What your better half think you should do?
I think everyone has downloaded something over the net at some time, me included, but it's sods law that they will make an example of someone who really cannot afford to pay the fine or even the £300 to stop them from taking court action. I sincerely hope it isn't you hun.