Is this all legit and above board?   This is the sort of thing I mean; http://www.ombudsman-decisions.org.uk/viewPDF.aspx?FileID=84262   I have a similar issue with quickquid in which they sold a debt and all rights to a third party, but I think they have now bought it back and want to offset the balance against a refund I'm owed. I have noted that the debt is full of charges which would need to be removed.   It seems unfair that they can do this as when they sold the account they broke