Thanks guys, RHOOD, I shall give that a try and get a recorded delivery letter off this weekend. I did find out that it is the Belfast office that looks after my area (funny how they are so far apart) As for Tax Credits, had that issue 3 years ago too so understand what you are going through. My local MP is Ed Balls, the guy behind the Tax Credits system and even he has been unable to do very much to help. Probably will when Election comes around again though Scousegeezer, thats completely the avenue I was thinking. I have originals of all my bank statements so can prove without a doubt that money transfers over to my ex on a monthly basis and even better is that the payment shows up as my daughters name so there can be no doubt what that payment is for. My ex admitted she did not disclose to CSA that I was paying regular maintenance because she felt what she was getting was not enough. Likewise, she also neglected to tell them I have 2 children to support as my she feels my other daughter is no concern of hers. Something I do understand but also something that she should have disclosed. I have spent another pointless day trying to speak to someone within CSA. They still refuse to do anything or listen to what I have to say without a reference number. On Monday I am going to start recording the calls and see what else I can do.

It's alright Lula, I'm no expert either but at least you have given some advice which I'm truly thankful for Payroll said the court order was put in this month and they legally have to oblige. I'm hoping I can get some further information from payroll but thats not looking too promising. Basically it's 3 months of full payments for 1 child removed in one go. I have all my bank statements as proof that she was paid by standing order at the end of each month. Thas another kick in the teeth as this months has already gone to her also. Unfortunately, my ex is extremely impulsive and goes out of her way to hurt you if she doesn't like something or if she is jealous. That's why she is an ex. My more recent ex (with my 2nd daughter), we still have a great friendship and we both share the upbringing of our daughter. She has never asked for anything but I still support both my children and as a result, what I give to one I give to the other. Thats how I know for certain that through CSA I would actually be paying less. I don't have any letters from CSA or from the courts because it has been 18 months since I lived at my old address so don't know which court this would have gone through. I honestly thought today about letting CSA keep the money and taking my ex to a small claims court to recoup the money she knowingly kept but out of principle I wouldn't want to cause any distress to my eldest by doing that. For me it is the same as stooping to my ex's level which is why I just want to sort this the correct way without falling into any more pitfalls along the way.

RHOOD, I'm not sure. The last I heard Inland Revenue were taking it over but as far as I know they are still the same con artists they were before so not sure if it has been taken over yet. If HM Customs were involved, you would think they had access to my correct adress details which makes me believe they aren't. Lula, they didn't take it from my bank. They took it directly from my salary by Court Order.

I really need some advice as I have been severely done over this month and do not know who to ask for advice. I have a 9 year old daughter who lives with her mother but I have always payed maintenance towards my daughter through a private arrangement. This is not my first involvement with CSA but each time they have managed to do me over and I wasn't even the person at fault. The first time was 3 years ago, my ex partner decided I should pay her twice as much as I was because she had a new house and a car to run. I refused and she went through CSA. She basically got a shock as CSA decided I was paying more than I should anyway. This prompted her to cancel them and want to set up a private arrangement again. I said I would prefer to go through CSA but was told by them that since my ex didn't want to I had no option but to set up a private arrangement again. 2 years ago, after a heated discussion with her with regards her partying and total disregard towards our child she went back to CSA out of spite. Since the private arrangement I would ring CSA whenever there was a change to circumstances for advice on what I should be paying and I would adjust my payments accordingly even though nothing was going through them. I felt there would be no issue this time as my payments were in line with theirs and give or take £3 that was correct. HOWEVER, on the first month, CSA I payed CSA by card over the phone but then a few days later they took it by direct debit and to add even more insult they deducted it from my earnings as well. Phoning to complain, they accepted the error on their side but refused to give any money back. Instead telling me I would not pay anything for the next couple of months as they would use the money they had taken. To add further insult, they 'forgot' to pay my ex and again caused more friction between us. She eventually accepted that the payments would not be regular and cancelled again. Again, I could not dispute and remain with them as they were working for her best interests. Roll on yesterday when I got a very nasty shock and found a quarter of my salary had been removed by CSA. Phoning my ex, she admitted she had contacted them to ask for things to go through them again but failed to inform me. The reason this time? Because I had a holiday this summer for the first time in 5 years and went to see my sister in New York. Apparently, if I have money to do that then I'm obviously not looking after my daughter enough. Anyway, CSA seemed to agree and just took the money. Now whats interesting is that CSA hae written to me on several occassions over the past few months but I have failed to respond. The reason being I moved house last June and since there was no involvement through them I had no reason to contact them and let them know. I haven't recieved any correspondance at my current address so was unaware they were trying to contact me. Further to that, my ex failed to disclose this information since she knew I was no longer at the address they were trying to reach and has been in contact with CSA on a regular basis. She also failed to disclose that I have been paying maintenance on a monthly basis, simply for the reason that she feels it is not enough. Finally, she also failed to tell them I also have another child that I support since there she feels that is irrelevant as my other daughter is no concern of hers. Anyway, I contacted CSA Helpline yesterday but they were of no help. Apparently they could only give general information and not specifics but did give me another number to call. I called the other number only to be told in polite terms that I was a liar when I tried explaining that CSA Helpline had given me this number as they have another list of numbers to give out and this one was not on their list. After giving the woman the reference from the helpline, she reluctantly gave me yet another number to call. I did and they can't do anything because I couldn't give them a CSA Reference number. I was told that I should try and find my correspondence before ringing them again, despite the fact that I have had nothing. So here I am, quarter of my salary gone, knowing that the private payments I am making are on par with CSA if not more (as there is a 2nd child now to consider which I do have a private arrangement for in which both girls have the same amount each month) and no joy getting through to sort this out. Is there anything I can do because I am really struggling this month and if I get another 'surprise' from them at the end of next month it will finish me off. Also, is it not unlawful to remove money from my salary without contacting me first? Or does writing to an address I no longer live at constitute to being reasonable? Please help because I honestly don't know what I can do. Thanks in advance

Thank you for the advice, I rang her to pass it on and discovered further details. Topps Tiles have been reasonably helpful in as far as chasing the contractor that came out but stop short of getting someone to do the job properly. They have said they can do that but it would cost extra. The store manager is in full agreement that the work is unacceptable and the shop side of it have been excellent in trying to help as much as they can. Where the issue falls is with the area manager who is the person who is refusing to accept any responsibility. Apparently the fitter used his own adhesive and not the one my mum bought especially from Topps, this is how he is trying to get around the guarantee because it wasn't their adhesive that was used. He has offered to send someone out to sort out the mess but will charge for this and said to take the contractor through the small claims court to recover the costs. He also suggested contacting the police because the fitter used the wrong adhesive then took away the other and this amounts to fraud. Granted he may have a point but as both my mum and I agreed the police aren't that bothered because someone used a different glue. My mum went down the customer service route within an hour of the fitter leaving. She actually went one better and went down in person complete with photographs (you have to love digital cameras) Like I said though, the shop and local manager were in full agreement that this was wrong. (The local manager has even offered to put in a supporting statement if it does go to small claims court) and he escalated it to head office but the problems are at area manager level. I would have to agree that under the sales of goods act they haven't done anything wrong. The tiles were in perfect condition when bought, the shop was professional in selecting the right adhesive and grout so if done properly there would have been no issue with the goods sold. I even go as far as saying that the shop were not to know that the fitter would do what he did so its not like it was intentional. They have even taken him off their books immediately and tried several times to contact him. The annoying thing is not knowing where the responsibility lies and the area manager who clearly wants to keep right out of it. I can see their point but I feel they have to take some responsibility for sending the guy in the first place. We can't fault the shop staff because they have been great in trying to help, the problem is higher management and the contractor.

Please, I wonder if someone could help me as I have looked through the forums for information but can't find what I'm looking for. I'm writing on behalf of my mother who is deeply upset. She recently purchased some mosaic tiles from Topps Tiles and arranged with them for someone to come out and fit them in her bathroom. Topps sent someone out this morning and when he had finished the bathroom floor was a disaster, so much that my 3 year old daughter could have done a better job. Some tiles were uneven, some didn't stick to the floor, some move around and some were cracked. All the payments were made upfront so my mother couldn't stop the payment for the work. Instead she took photographs of the work and promptly went down to Topps to make a complaint. Topps told her that they had infact contracted out the work so couldn't help her in any way. They agreed that the work was a disgrace but again reiterated there was nothing they could do since the workman wasn't covered by them. We are now at a loss as to who is responsible for sorting the mess out. Is it actually down to the contractor or is it down to Topps for sending this person out? Who do we need to contact to move this further and are there any laws to protect my mother for the mess they have left? At no point did Topps say they were contracting out, as far as my mother knew when she arranged this with them it would be one of their workmen coming out. Having checked on their site they do mention that work sometimes gets contracted out but all their contractors work to Topps standards of excellence. All my mum wants is the job doing properly. She isn't after compensation, she doesn't want her money back all she wants is for someone to accept responsibility and sort the mess out properly but we are at a loss in where to start. Any help on this matter would be greatly appreciated. Regards Murbay

I have had a development today from Barclays though the events of yeserday could have been completely different. After having heard nothing from the bank to even acknowledge the claim, I decided to give them a call just for an update. Sometimes with Barclays it is very difficult to get someone on the phone with a reasonable knowledge of english and Tuesday was no exception. I tried explaining to the woman what I was calling about but first she thought I was informing them of fraud and that she would send some forms out to me. I explained I had already recieved them and just wanted an update. This led her to believe I hadn't recieved any forms and question why I hadn't rung the bank to ask for some more. I politely asked to speak to someone with a better understanding of the enlish language and she eventually put me through. Again I hit brick walls, was put on hold numerous times and then they tried to sell me car insurance. Finally they came back to tell me no forms had been recieved. I explained that this could not be the case since they were sent recorded delivery and someone had signed for them at their end, this led to another 5 minutes on hold before being transferred to someone else who informed me that they may have recieved my forms but there was nothing showing on the system and this could be down to a huge backlog in fraudulent reports. After explaining that the 3 weeks were up on Friday they then tried to get me to upgrade my account again as this may speed up the process. At this point I was ready for boiling over but thought that might cause more issues so stayed calm. Instead I just asked them if my job title and place of work had been updated on their system. After she read it back to me the mood changed on the phone and I was finally put through to someone else who assured me that my case was being investigated and was very close to completion. I felt at the time this was just a ploy to get me off the line but today I had confirmation from Barclays that it has now been fully investigated, they are satisfied that it was fraud and will be refunding not only the money that was taken, but also the charge for being overdrawn plus interest and as a way of apology for the mistakes they made at the begining they are giving me an extra £30. Might not sound like much but it's £30 more than I was expecting and I'm not a greedy person so I was an unexpected suprise. That said I am still in the hunt for a new bank and at the moment the Halifax sounds good in terms of how quick they deal with fraud but the jury is still out. Just a word of note, Barclays haven't refunded the money yet so that may take weeks or it could be sorted by the weekend. Either way, as much as I hate to say it, sometimes you do have to throw a little weight around in order to get what you are entitled to especially as far as banks are concerned. It looks like Barclays came through for me but only after I pointed out what a fuss I could kick up if they didn't. I would have liked to have hoped that Barclays could have done this because they were professional and cared about their customers. Maybe some are treated different to others or maybe I was just in the 1% of disatisfied customers and 99% of the time they get it right. Either way, banks need a serious review on how they handle fraudulent claims and in this day and age it shouldn't be taking 5 or 6 weeks and a little push for them to get their act together. I'm happy there is a light at the end of the tunnel for me but I'm equally unhappy that there are people out there who may struggle to get their refunds back from Barclays and be put under the same pressure I felt having to provide for my family and no money to do it with. My advice to you is to stick at it and don't give in

Apologies slick. I won't need to start a new thread after talking to the missus, she has her own login for here and I think if things dont go well she will start her own post anyway so I shall let her discuss her own issues when she is ready rather than me creating a new thread then she adds another one. tbern, thanks for the input. Firstly though they were definately ATM withdrawals in Mexico, this was something I confirmed with the bank at the time and also on my statements they are marked as ATM and not withdrawals. When my mother got done last year they discovered her card was cloned from a local petrol station which is why I'm always careful. If I fill up then I'll withdraw the money first and I always use the same petrol station. I know what to look out for on the machines so I don't think it was a petrol station where my card was done. I did have a pretty good idea after an incident in Phones 4 U that it may have had something to do with it. Basically I bought a new phone for one of the kids and I had to put £10 top up on it. Everything went smoothly and I had my card in my possession the whole time. It was only after we got home that my son realised there was no credit on the phone. I rang orange who told me no money had been put onto that card yet I had a receipt to say the transacion was successful. I wondered then if thats how they had got my details but it is impossible as the first withdrawal from Mexico came out the day before. That only leaves me with one possibility. I am a huge Barnsley fan and as a result, made the trip down to Wembley for the FA Cup Semi Final. On the way down I withdrew some money from a cash machine at Watford Gap Services. There was nothing strange about the machine and it was one of those stand alone boxes where you pay £1.50 for the privilege of getting your own money. It was only after leaving that the missus pointed out that they did have normal cash machines in the wall that probably wouldn't have charged. Now whether that was set up to take peoples details (because it dials out) I don't know but that was the only thing different I did and that was a week before the money started being taken out from Mexico. There is no other way anyone could have got hold of my pin because I never changed it from the one issued by the bank, I never wrote it down and the paper it came on, I have a habit of burning out the plastic bit then ripping up the letter so it would be impossible for someone to have got hold of it. As for the press, the organisation I work for has it's own PR department which I'm quite close to a few people working in there. In the past I have had to burn various things onto CD and DVD to be handed over to the local (and sometimes national news). It would be extremely easy for me to ask for specific contacts for various newspapers or even the newsrooms themselves though as I have said before, Barclays have a week before their deadline so I shall at least honour that first before deciding on the next course of action but it has been duly noted ;0) I did think about e-mailing the chairman after he of all people knows what it's like to be ripped off but I think I shall follow that route first after Barclays deadline is up.

More news on the ongoing Barclays saga. Tonight my girlfriend found out her Barclays account has been stripped of just over £600 over the weekend leaving her with just over £4 to last until she gets paid in 3 weeks. Because she was in the same position I was a few weeks ago and armed with the extra information, we took a different tact and after calling the bank to cancel the card we contacted the police to report it. The response from the police was suprising, basicaly they weren't interested and it was the responsibility of the bank to sort it out. Not even a crime number because they said if the bank also reports it then she could be facing fraud investigation with 2 crime codes. This is despite the fact on the Barclays form it asks for any crime numbers. The approach we are taking with this is NOT to report the fraud over the phone. They are aware it has happened but e have asked them not to deal with it as my partner will go down to the bank personally in the morning. We shall see then which approach yields the best response. The money was taken from a cash machine in London just an hour after she used her card here in Yorkshire so again, even though unlike my problem it is still physically impossible to get from one machine to the other in the space of time given. I'm begining to wonder now if it is a problem with the branch because we have accounts at the same branch and there was a woman in there last week when I went in reporting fraud on her account too. If it is then I think the legal approach is looking good right now or maybe it is just the incompetence of Barclays altogether. I'm wondering if the Head of Barclays had all this hassle when his account was stripped last year and whether he had to wait weeks to have his account corrected.

Sorry for the delay guys, had quite a bit on over the past couple of weeks with the funeral etc... The current state I am at has left me disgusted with Barclays as a whole. I cannot fault my branch through any of this as the advisor and manager have tried to do everything they can to help and in some respects I have got a little further because of this but Barclays as a whole is unacceptable and I shall explain why. Previously I mentioned that my forms had not arrived. Well, the did arrive a few days later (23rd April to be exact) the letter that arrived with the forms stated I had to fill in the forms and send them back to Barclays no later than 24th April otherwise I was accepting full responsibility for my account being debited. With all the will in the world, there was no way I could have possibly sent the forms back in time so I went down to my Branch. I spoke to an Advisor first then she involved the manager who was extremely disappointed in how things have been handled. She rang the fraud department from the bank over the time it had taken to send out the forms but they wouldn't even fast track my forms. Instead the bank issued new forms to be sent out (which only took 2 days to arrive) and told me to go back down when I got those. I went back in and they put together all the relevant information for me then offered to send it all off. I had read the link to the previous thread you posted and politely declined the banks offer as I wanted to make sure they were sent and that they were done by recorded delivery. That was all done by last Monday and the letter stated it can take up to 3 weeks to refund my account. I have not had an acknowledgement to say they have recieved my forms or that things are being processed but I feel that I should give Barclays the 3 weeks they have stated to get their act together. One thing noted on my statements was that I made 2 withdrawals from a local cash machine on the same day that money was debited from Mexico. In order for me to have done this I would firstly have had to withdraw the money from my local bank, fly over to Mexico in 4 hours, take the money out and fly back in 2 hours to withdraw £20 more so the bank cannot turn around and dispute this otherwise I feel I will have to take the legal option. As for the Additions account, I know the cheek of them selling me an upgrade at a time like this was wrong and I knew completely what they were doing at the time so it isn't like I was tricked into doing it. I just felt at that time I needed to secure my account fast until this has all been resolved. After that I'm moving my money out and to a bank that treats it's customers like human beings. Unfortunately, pretty much most of the banks operate the same way so I need to look for a bank I feel comforable with so I'm thinking I might start booking appointments to sit down with the banks and basically interview them for a change Then make up my mind based on what guarantees the banks can offer and whether they can put them in writing. I shall keep you updated as to any further developments as and wen they happen.

Thank you for your response. After today I will be on leave from work until Monday so will have ample time to prepare letters and report this to the police so I shall definately be taking this course of action. I decided after Barclays response that I will be changing to a new bank but kept this account open until the situation has been resolved to avoid further problems from them. I have already started a writing a letter to Barclays head office about the situation and have already stopped further overseas transactions when I initially reported the fraud over the phone. I will follow this up with a confirmation letter so that I have an active record of it. As for closing the account, I did discuss this also but in return Barclays upgraded my account. I know this was most likely a sales tactic from the bank but at the time I was terrified of more withdrawals being made and not being able to do anything about it. I felt that since I had lost faith in Barclays £6.50 a month for a little less stress would be worth it till they refunded my account. After reading many stories on here, I'm not entirely sure it worked. I asked my bank for the contact details for the fraud department but they told me 'it doesn't work like that' (sorry, natwest ad pun) I have to wait for the fraud department to contact me so the only thing I can do there is keep hold of the copies until the fraud department ask for them. Anyway, i shall keep you posted as to how things go this week and hopefully find a way of cracking the hard exterior they call Barclays.

2 weeks ago my step-father died and the following day I recieved a letter from Barclays telling me my account was overdrawn by £400. They also stated that as I have been a model customer and never been overdrawn they have refunded the £30 charge on my account. I had only recently been paid and knew I couldn't be overdrawn as I am very careful with my money but on checking my bank account there was almost £1000 taken out from an ATM in Mexico in separate installments. Worse still, even though Barclays had refunded the £30 they then took it out again the following day. I rang to report this and was told they would send out forms which I had to fill in and send back then went on to sell me an additions account. As a father with young children and bills to pay I took up their offer as they assured me that any further transactions would be compensated immediately. They ordered me a new card and new pin which have now arrived. The problem is that the forms they were sending haven't. I have rung the bank 3 times and each time they have apologised and said there are some new forms in the post. The funny thing is that all my additions documentation arrived quickly but they seem to be dragging their feet with this claim. I can prove for a fact that I wasn't in Mexico at the time, mainly because I don't even have a passport but also because even though I was on leave from work the week this all happened I still went in on a couple of days because of the nature of my work. On asking why Barclays never flagged this as suspicious, they told me everything looked normal despite the fact I actually withdrew money from my account on one of the days money was being taken out in Mexico. Also Barclays allowed fraudulent transactions to carry on despite the fact my account was then overdrawn. I cannot understand how Barclays can think that cleaning out an account from another country in large sums of money, especially when I have withdrawn money in England at the same time is normal. They stated themselves I was a model customer so how could they not determine something was wrong. I have now fallen behind with a few bills because I have just managed to get my account back under the overdraft and was assured by the bank that I was looking at 3 weeks to resolve this. I was unhappy with that but accepted it all the same. It is now coming up to the 3rd week and they still haven't sent me any forms. It's my stepfathers funeral this week and the last thing I needed was extra stress from my bank. Does anybody have any advice as to how I should proceed. I really want to go to the police but feel that if I do that without giving the bank a chance to respond would just cause more confusion. Likewise, I cannot rely on waiting for my bank when I have a family to support. What is the stance on taking legal action against the bank on this if it shows they are deliberately holding back. I'm not the sort of person to be chasing extra compensation or anything like that but I feel that I would be more than justified asking for the interest to be added onto my money as Barclays failed to protect it and in my eyes willingly allowed it to be stolen from me.

First of all, I am a huge fan of Comet. No, I don't work for them But after a 2 year battle with Currys with an appliance that had a manufacturing fault in which they finally conceded defeat days before the court date, Comet couldn't do enough for us. We bought our replacement fridge freezer from them and after explaining the issue we had with Curry's they extended our 1 year warranty to 3 years free of charge so if we did have a problem we were covered. After my TV blew up 2 months out of warranty I paid for an engineer to come out from Comet but he couldn't repair it AND he turned up at the time and date arranged (infact he was a couple of hours early but rang first to see if we were in). Comet send through a cover note to the value I payed for the TV to get a replacement. They could have taken into account it was over a year old and offered less or done a currys usual and refused to have anything to do with it but everything was sorted within 3 days of the engineer coming out. While what happened to your sister is unfortuate, I think the blame lies with the sales rep and perhaps there was a breakdown in communication from the member of staff. I know that for certain appliances it is justified to pay an installation charge. I could see the point of voiding a warranty if not fitted by a professional since you could damage the product and cause further problems for yourself. I know I was told something similar when I bought my PC but as I work in IT I still refused. Even though I am more than qualified to install a PC on my own, I was told that it had to be their own engineers otherwise my warranty was void, however that wasn't Comet. If I was to buy a washing machine then I probably would pay the £10 charge because that means paperwork and if any problems arise from the installation then I have myself covered. As far as your letter, I would start by writing a polite letter to Comet asking them to explain the installation charge, what appliances it applies to and how this affects the warranty. After they respond then take it from there.

Thank you very much for your resonses to my query, they were very much apprecitated. Further to this and on advice of a solictor I contacted TSB directly yesterday to query this with them also which turned up some very interesting information. TSB do not hold an account for me on thier system and cannot work out where this debt has come from as matters were resoved with them immediately in 2004. I have an appointment to speak to one of their advisors next week and present my proof directly to the bank. I shall still be following this up with BCW and I have already printed out a copy of curlybens letter with the extended paragraphs from conar and will be posting that out recorded delivery tomorrow. I shall not explain to BCW about my meeting with the bank though I shall be asking the bank for written confirmation that they do not have any debt on their sytem and that everything was resolved in 2004. That way if BCW do continue to harrass me they will be in further breach of the guidelines and I will have solid grounds in which to persue legal action against them. Hopefully sticking it to them for all the stress they have caused not only me but everybody else on this site that has had the unfortunate pleasure of having to deal with them. One interesting fact the solicitor explained to me yesterday was that if for some strange reason TSB had kept my account open and these were fresh debts, the bank would have to explain why the bank made no efforts to contact me since 2004. I haven't moved house though as I said previously the bank has no record of an account for me on their system. This information may help others out there who may find themselves in a similar situation. I am still confused as to how their registration is for England and Wales yet they can operate out of Scotland. Is this legal?

Hi guys I have read several of your threads against BCW and I'm after some advice really on how to proceed. A couple of weeks ago I recieved a letter from BCW trying to recover over £1000 for a debt to TSB. I did have this debt back in 2004 but I also paid it (I have the original letter about the debt and I have the bank statement to prove it was paid 4 days later) Because I knew for sure this debt had been paid I contacted BCW to tell them but was met with some hostility by what they claim to be a customer services department. I told them this was a debt cleared 3 years ago and I suggested they go back to TSB because they are trying to claim for a debt I have proof was paid. Having read some of the threads on this site with regards sending them proof I explained I was prepared to clear this up by providing evidence but I wasn't prepared to send it to them because I wanted to do this legally. Since then I have had 4 conversations with them on the phone with each one being ruder than the last. When I complained to one member of staff about the attitude of the customer services department he gave me quite a bit of abuse about "Dont I dare speak badly about any of his colleagues and that they will screw me over in court" before hanging up on me. On my final call the woman told me how I wouldn't get the chance to defend myself in court and that all they will do is have their solictior go to court and I will be charged £50 for each letter they send me. I gave as good as I got and she told me all calls were recorded then hung up. I have since rung them and asked for transcripts of all the calls they and I have made because I shall be taking this through a solicitor. They then told me they don't record calls so are unable to provide me transcripts. Since then I have now recieved a final notice, threatening interest and costs for a debt I have the proof of paying. I don't want to provide them with my proof for reasons others have explained on this site but I do want to clear this up and have them out of my life for good. Is there any way I can go around this which isn't going to be costly to myself since technically I shouldnt be having to pay anything to clear my name for a debt I don't even have? Also I did notice something interesting on the letters they have been sending through. The address is in Scotland but under the registration numer it says "Registered in England and Wales" surely by trading in Scotland they are in breach of this registration. Any help on this would be much appreciated because it is now begining to cause me sleepless nights.