Yes I'm in Scotland ?

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Noticed last night that there was nearly £170 pending on my bank account Phoned up 24hour banking to ask what it was for and was told I`d have to wait until today until the transaction would go through their system properly. I immediately stopped my card and transferred what "little" money I had left in my account to my savings account which does not have debit card facilities. I`ve been on the phone to them back and forwards all day now. Basically, SKY Subscribers have taken out 3 separate payments from my account for what I dont know, I dont even have SKY Tv. When I phoned Sky to query this they said they havent taken any money from me :???:, so back to the bank I went again. They`re sending me out paperwork etc. as its now in the hands of the fraud dept at the bank (I will get it refunded) and I`ll have to sign paperwork etc and hang around waiting for the money to be refunded. Does anyone have any experience of this and have a rough idea of how long it will take for my money to be refunded ? Couldnt have happened at a worse time... On holiday for 2 weeks now and got the wee ones birthday party next week :mad::mad:

Had a letter today from Stirling Park chasing payment of outstanding council tax at a property we let out. The current tenant and the previous tenant have been spot on, pay their rent on time etc, never a bother but the first tenant we had in in 2007 paid nothing, no utilities, rent or anything, took us an age to get her out. Anyway, stirling park are claiming we`re liable for these arrears even though we sent the council adequate information on who the tenant was (we do this any time the tenancy changes). We`ve still got copies of this information. She`s left around 1,000 quid in arrears, anyone know where we stand with this ? I`ve fired a letter off to S/Park today advising them again that we passed on the information that we`re required to but I`m awful worried that they`ll expect us to cough up ?

Have a relatively "not too bad" credit rating. Dont have credit cards/store cards or anything. Was in my bank (Bank of Scotland) the other week and they asked me if I wanted to upgrade my account as I was only on the basic bank account, I said yeah, why not, its not costing me anything Anyway, was shocked when they knocked me back as I`ve been banking with them for 8 years, no overdraft, no bank charges etc. so I sent away for my credit file and was astonished to see that LLOYDS TSB have put a CIFAS warning on my credit file. :eek: Now... I`m not even with flaming Lloyds, and never have been. I`ve been with the B.O.S. for years and years and this CIFAS warning is dated from last year ??? I`ve fired a letter off to Lloyds telling them all and demanding that they remove this from my file. Is there anything else I should be doing in the meantime ??? My fixed rate is up in my mortgage in June and I know this is going to cause major problems when I try to get a better deal if I dont get it sorted. :mad::mad: