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Thousands of customers at Britain’s biggest High Street names are being hounded by debt collectors — even though they do not owe a penny. A Money Mail investigation has found that banks, insurers, phone and utility firms are routinely sending threatening letters warning customers their homes will be raided by bailiffs and property sold at auction if they do not stump up cash in days. Many are the victims of mistaken identity, often do not owe anything and have never been in debt. But when they try to protest, they hit a brick wall. Often they end up being passed between the debt collecto