Firstly I would like to thank all the members of this forum who have so far provided much help with their posts that I have read through regarding Capquest. I got a letter claiming that I owed T-mobile £82.41 and that fire and brimstone would ensue if I didn't pay it at once. Now I had fallen for Capquest's tactics in the past paying 1 or 2 debts of around £20 due to the scare tactics used, this time I'm not giving in so easy. I sent them the templated letter asking them to provide proof that I owe the amount mentioned to which they sent a letter saying the account would be on hold till Oct 13. Today however I received a letter from them saying the following "We can confirm we forwarded your previous correspondence to our client and their response is as follows. 'The account holder (of the same name) has already made payments to you and many payments on the account. If they feel this is not their bill they would need to fill out a fraud disclaimer form online at t-mobile.co.uk. Please pursue for the full balance.' We look forward to hearing from you." Now my previous correspondence required them to provide proof they I owe this money. Is a quoted text that could potentially of been fabricated acceptable as proof? And idea how to take the next step? Many thanks Steve