I have been charged for 48.50 for a £60 bounced cheque by certegy. Usual thing applies, their self appointed charges cant possibly add up to that, in addition they have my address wrong, so I didnt receive the first letter until some two weeks after it was sent, and the second letter arrived the day after I sent my response. My letter to them was a rehash of the mrgreegenes letter. I have now received a third letter, still to the wrong address, saying they have placed a notification on my file, but are giving me one last chance to pay. Anybody got any ideas what to do. Am thinking of sending a letter asking to see any form of contract I have with them, an explanation of the charges (how the hell they get 48.50!!!), and if neither is forthcoming, to see my legal position in the copy of the letter sent whenever it was which is also attached, good idea? Or do I need to do something else