That's a really useful site - thanks! I too have been slapped with an alleged overpayment by the TCO to the tune of £3,500.They wrote informing me of this about 2 years ago - I responded via letter disputing the overpayment on the grounds that I supplied them with all of the required info and I could no be held accountable for administrative incompetence at their end. They replied with a standard 'we don't accept responsibilty' letter and I've heard nothing from them since, even refusing to fill in the forms for the past to years just in case they cocked up again. As I said, that was 2 years ago - today, I got home to find a note from a HMRCC employee who had called around my house to 'discuss' repayment of the overpaid amount! Anyone got any advice on how I should proceed with this? I've had a look through the link that gizmo kindly provided and it indicates that I should not, under any circumstances, rearrange a meeting or discuss repayment, but, instead, inform him that the amount is in 'dispute'. I've downloaded the official TC846(RRR) form & am busy filling it out now. Obviously I'm a bit concerned that they actually sent someone around to my house rather than contacting me by letter or telephone in the first instance.

Thanks for your help

Thanks for the response At the risk of sounding like a complete ignoramus, what exactly is the CMU?(customer management unit?) - I can't seem to find a telephone number for them in the sticky section:???: Thanks again for your help.

I accepted a settlement with Natwest way back in June and popped into my local branch 3 or 4 weeks later to chase up the payment. Natwest have used part of the payment to clear the overdraft on the account which has subsequently been closed leaving a deficit which (I was reliably informed) would be paid directly to me in the form of a cheque. We are now in September and (surprise surprise) still no cheque. My question is this: is this normal? If so, how long can I expect to be kept waiting and is there a direct number I can contact to hurry them along? I've tried the dedicated bank charges number listed in the stickys but I'm not supremely confident that the telephone jockey on the other end had a clue what he was doing. Any suggestions?