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Hi, TV Licencing have written to me saying that since 04/01/2005 they have been taking direct debits from a third party for my TV licence (this is just over 7 years ago.) They've admitted it is their error and the third party bank have only just informed them. They've refunded the third party bank account and are now demanding nearly one and a half grand, telling me I have 28 days to pay or they will recover the amount under the Communications Act 2003 Section 364 (5). We don't own a TV. I've always just chucked letters from TV licencing in the bin before but opened this in a hurry with a bunch of other mail without checking who it was from. What legal recourse do I have? I don't want to risk my credit rating being compromised.