AFAIK unless the bank has received a complaint from whomever had the 'charged-back' from returning the money into her account, the bank just can't decide to return it to whomever she originally paid.
you should be blocking and bouncing all emails regarding any supposed debts
same as you should never discuss debt at your door nor over the phone to any DCA.
a dca is not a bailiff
and have
zero legal powers on any debt.
in this case as you've been reading like threads
you should already be aware CRS are harlands in a different frock
look at the addresses.
dx
Caledonian Moving and Storage - Disappearance of Belongings. Read more at https://www.consumeractiongroup.co.uk/topic/418604-caledonian-moving-and-storage-theft-of-belongings/
Mobile users can now switch providers with one simple text. Read more at https://www.consumeractiongroup.co.uk/topic/417284-mobile-users-can-now-switch-providers-with-one-simple-text/