Hiya, after some advice please I will start from the beginning. In 2008 I received a letter stating I was due x amount in council tax from the periods 2002 - 2005. These missing periods were when I became a student. At the time I had filled out all the correct forms, but the council obviously hadn't put them thru the system. So back in 2008 I got copies of the letters from the college stating I was a full time student during these periods, sent them to the council office and never heard another thing from them - Until March this year. Where they are again saying I'm due council tax between the periods of 2002 - 2005. After getting more information from them I have now discovered they asking for money for the period’s in-between when I was a student i.e. summer holidays and a few months before I became an official student. Fair enough but I signed on during these periods and claimed council tax benefit. Which after more E-mails back and forth, they said this has already been deducted from the amount I am due. So now I am lost as how come I still have to pay money, is that right? I always thought that if you signed on then you didn't have to pay any council tax? Also how do I know for sure they have deducted these amounts from the bill and as I was living on my own, should I have single persons discount on there as well? I haven't asked about this yet but I think I will ask them just to make sure it’s been included. Its not that I'm unwilling to pay it if it is right but I'm just not sure if it is, I feel like I'm getting conned or missing something that I should ask and if I don’t ask it then they aren’t going to tell me, if you know what I mean. Lol Have I done everything right & should I just call it a day and pay or is there anymore I can do? Thanks in advance for any help about this.

In the end we decided just to go into the Royal bank of Scotland to speak to them first & try and get some form of records/history from the said account. haha. The lady on the front deak was rude, unfriendly and wasn’t interested at all. As far as she was concern she thought i must be speaking crap and that im trying to get out of paying the debt. All she said was you have to phone scotcall and pay the debt! At first she couldn’t' find the account on her computer then she found it and said it was "closed". I asked her if she could print off some statements for the account, which she said she couldn’t as the account is closed and they don’t have any records. I asked her if she could tell me who closed the account then. to which she said she couldn’t. According to her I should have the paperwork for the account. We tried to explain that I don’t have any paper work as I didn’t even know the account existed until they sent a threatening letter saying we owed money. she couldn't understand that part though. anyway she wouldn’t let us see the manager. Twice she went away to speak to the "area manager" on the 2nd time she came back with a number that we could phone. well done to our local branch of the royal bank of Scotland for being useless! after three attempts at calling the number finally got to speak to someone who was very helpful & friendly. once they had found the account eventually.. she said oh yes this shouldn’t be going on, the account was closed years ago and the debt cleared and apparently capquest (who originally had the made up "debt") should never have sold it on to scotcall. she said they will contact scotcall and sort it out and if we get anymore letters from scotcall we are too phone them ( the credit something or other) again and they will speak to scotcall. so fingers crossed that is the end of the "pretend debt" from the royal bank of scotland.. thanks to all above for the advice!!

That was quick in replying, thanks a lot!! You guys are great! I'm not 100% sure on the details as it was such a long time ago. As far I can remember I've never had a statement for this account not until the said i owed them money for it. I have no idea how they got my current address either. its all a bit strange. sorry for being a total thicko here but what do you mean by " The debt is probably statute barred?" I was thinking I would just make an appointment or go into the bank and have it out with them about it. would that be a good idea?

hope I'm posting this in the right place, if not sorry!. Please can someone advise what to do as im totally confused! :- About two years ago I recieved a letter from the royal bank of scotland saying that my account was in arrears and that i had to pay it back. Which was news to me as as far as i was aware i didnt have a bank account them them in the first place. so I called up and discovered that it was an very old account from when i was a child! which should have been closed a loong time ago and it hadn't been used in many many years. Anyway some how they had "upgraded" the account and had started charging me for it, hence why i was due money.. think it was about 200 or something they said I was due! Anyway the women on the phone agreed that this was clearly a mistake and that the the debit would be cleared and the account closed. Fair enough i thought & haven't heard a thing since, until last month. I have recieved a letter from a company called scotcall saying I'm due a company called capquest RBOS money. I can only assume it is the royal bank of scotland (RBOS). What on earth do I do about it? not having ever been in debt or owed any money I'm not sure who to contact regarding this matter? do I contact the bank or scotcall? do I call or write a letter? has anyone had this before? arghhh it soo annoying!! please help