Hello Caggers, I hope you can help me. I have an old Barclaycard debt which I started paying through JB Debt Recovery in December 2011. I made a card payment on condition that they sent me some paperwork detailing what I owe, what payment arrangements were in place, etc. I have received no paperwork from JB whatsoever. However, as well as the initial card payment, they started taking further payments from my card. They took two payments on successive days (charging me an extra £1.50 per transaction) and did the same again 2 weeks later. I was away over Christmas so I couldn't deal with it until my return. I contacted JB on my return and explained that not only had the paperwork not arrived, but the payments were taken incorrectly. They said they have sent the paperwork (which I still to this day have not received) and that I had authorised running payments on the card. I am sure I didn't do this, but even if I did, I would certainly not have agreed to taking payments on successive days. Who would do that - make a payment today (and get charged for it) then make another payment tomorrow for the same debt, and get charged for it again. I stopped the card payments and set up a standing order directly from the bank account. As far as I was concerned; that was that - I just make the payments each fortnight until the balance is clear, and put the problems down to being a blip. However, last week I received two calls from Buchanan Clark and Wells (BCW) saying that I owed Barclaycard (the same debt) a sum of money and that I have paid nothing. I told them about what happened and that I was currently paying JBDR. They insisted that they had held the account since January 10th, and that no money had been paid. We argued back and forth, and I have now received a formal demand from BCW for the balance. I rang BCW and they insist they have received the debt from Capquest (who acquired it from Barclaycard as far as I know) and I should cancel my payments to JBDR and start paying BCW. My personal choice would be to cancel the whole thing of course, but if I have to pay someone I would rather pay BCW as they have been more professional about how things are handled. BCW are ringing me back tomorrow expecting the debt to be transferred to them. Where do I stand in all of this? What rights and responsibilities do I have, and what would you advise me to do next? If it matters, the balance on the account is just under £2,000 and I am on state benefits (ESA and DLA) so money is tight.