Have just typed this and will post it first thing in the morning. Thank you so much Brig, I will keep you updated when I get a reply from them!!

Well low and behold sat in work today and some goon from Welcome Finance has phoned me, so this must have been who the call was from as I have never told Welcome where I work!!! Im furious Ive missed my payment on the 8th due to changing jobs and my mobile has been broke!! Ive just had a warning off my boss for receiving private calls!!

My husband has just gone out to South Africa to work, all his accommodation was paid for, his medical insurance, his visa and work permit, his flights and they also sent a £50 bank draft to cover expenses for him to get to Heathrow!! On arrival he was met by a chauffeur and day 2 was given a hire car, all with no expense to us!! The only money he had to find was his 1st weeks living money and he received that all back yesterday!! This sounds very very dodgy!!!

Just to update you all, I've spoken to HMRC no one from there has contacted me!!! Surprise surprise!!! Still no email to get my bank details so can only think this has to be a DCA who will now either contact my employer or come to my work place!!! Im so worried now!!

Now that really would make my day!!! Haha.

I will do Citizen B and thank you both again!! I will ring tomorrow and post the outcome!!

I am paye and my NI is indeed deducted from my earnings!! After the call I did indeed realise he should obviously know my employer if he was from HMRC!! Definitely think this is a DCA!!!

Citizen B and Brig thank you both so much for your help, will warn my boss tomorrow and ignore any emails, if I do get any!!

Brig he did say to keep checking my spam mail for the update request as it needed to be printed off filled I'm and posted back as it couldn't be returned to them via email???

Brig he didn't ask for any of my bank details, he was only interested in where I worked, wanted company name and post code!! I would never give out bank details and he's most welcome to my £900 overdraft!!! Lol .

Ok thank you both very much for your help I will ring 1st thing in the morning!! I'm very very worried now though that they will contact my work place as I'm not working tomorrow,, I've only been there 3 weeks and this is going to be dreadful a DCA chasing me there!! I want to cry!! Thank you again both I will do as you both suggest.

The number was withheld, but what made me think was that after I had spoken to "Paul" my 17 year son came in and said "the tax people rang you today and said you had overpayed them and they need to speak to you" now I think I'm correct in thinking they wouldn't discuss this with my son? And I have definitely not had 3 letters from HMRC about NI, and the gentleman said I definitely wouldn't owe them money, if anything they would owe me and I would get a rebate!! I certainly do not believe this is the case as I only work 20 hours and pay very little NI!!

I have today received approx 15 phone calls to my home and mobile phones, that I did not take as I was out, when I eventually did answer had a man saying he was Paul from HMRC and that they had sent me 3 letters about my NI contributions,, he asked where I worked so I told him. He then said ok well we'll email you an update form to fill in so I gave him my email address but I haven't received anything. What made me suspicious is that the last call was at 5.40pm and I would have thought that HMRC would be closed then. If this is indeed a DCA as I'm 2 payments behind with capital one and vanquis, due to recent job loss, but have now got a new one, will they contact my employers as if they do start harassing me at work I would lose my job!!! Feel so stupid now for giving the man the information but he seemed genuine!! I could kick myself!!!

Makes me laugh that everyone on tv seems to be saying "aw well we've all done it!!". Excuse me!!! ,,, but my children are 17, 10 & 4 and I can honestly say I've never left them anywhere let alone in a pub!!!!

Please can anyone help before he signs off tomorrow???