Hi, in December I came home to find a letter had been put through the door from Sherforce, stating that they had come for payment of £1609.81 (at the time obviously interest was being charged hourly!!). WE HAD NO NOTIFICATION. We went into a panic, I got my partner home from work and he rang then and RBS to whom a small amount of this money was owed, but they did not want to know. The amount of judgement or order was £693.50 Interest on judgement was £3.45 Costs of execution was £101.75 charges by HCEO £811.11 TOTAL: £1609.81 My partner receives monthly statements from RBS then recently had a statement from RBs clearly stating that the amount owed was £374.94. RBS had passed the debt to Optima Legal Services, so we really could not understand how this had come about. Anyhow we asked my Dad to lend us the money which he paid the following day of £1611.86 as we were very worried about our kids and possessions. Then 3 days later a letter came through the post stating they had possession of our goods (which I thought they could only get if they got in) so my Dad rang and had words with them, they said it was an error. I wrote and requested a breakdown of the matter Judgement Debt £1307.50 Judgement Costs £0.00 Execution Costs £101.75 Interest @ 8% pa £3.15 PLUS Sherforce charges £813.46 (sherforce charges are Initials Attendance Fee £175.00, Financial Management Fee £160.00, Administration Fee £300.00 and Debit Card Fee £1.00. This Totals £707.35 + VAT £106.11 Total Sherforce charges £813.46) LESS any monies received by Sherforce £1611.86 LESS any credits notified to Sherforce £614.00 Written Off by Sherforce 0.00 Outstanding Amount Due £0.00 Then Percentage of amount recovered £22.48 Mileage Incurred £0.00 Seizure Fee £2.00 Making Enquiries or Dealing with Claims For Rent or To the Goods £4.00 Walking Possession Fee £1.50 Valuation Fee £41.37 I would dearly love someone to tell me that what they have done is wrong, what they have charged is wrong and that this should not have happened. Is it legal to take to high court they initial debt (ie RBS provided up to £1000 of credit with Ebuyer) the debt owed on May 2007 was £988.84 and due to the failure of my partners business we had to pay not only this debt but others also. He was advise by all government funded debt guidance to go bankrupt but he wouldn;t he ended up going with Baines and Earnst so they pay a percentage to each debt he had. RBS were receiving £30.00 per month out of the £192 we pay out each month. At the last statement we only owed RBS £374.94. So could they take to court £988.84 less payments but add on other stuff?? I have sent letters to RBS, Optima Legal Services and The Northampton Bulk Centre (county court place) for copies of any paperwork they can provide me as it does not add up at all. I am glad I had a rant now! If anyone can provide me with help as to whether the charges are 'right' (I use the word loosely) I would be grateful x