Thank you, very kind of you and much appreciated. In the meantime, I will mull over all of the suggestions and links and big thanks to all who have taken the time to respond. What a great forum! Its nice to know your not alone against all the loonies out there

In all honesty, they seem to all be chasing both accounts I'll get one referring to the credit card account and few days letter one referencing the bank account. The letters generally say that they've been 'authorised to recover the full amount'. Although I did get a strange letter from Robinson way today with "SECURITY TELEMESSAGE" stamped all over it. Not sure what they were trying to achieve with that tactic, as it just looks a bit naff to me

Thank you thats reassurring! This debt is currently being chased by Robinson Way/Apex/Mackenzie Hall/Credit Security Services/Credit Collections/Credit UK/DC Credit Management. I'm getting calls alternate days from each of these and have been since June. Although I think they are treating the current account and the credit card as two seperate debts/accounts.

Hello everyone, I'm hoping someone can help me sort what seems like a strange problem i've been having with debt collection agencies. In 2006 i lost my job and made a claim on my credit card PPI to cover the payments. This all eventually went through and a year later, still unemployed (still am today!) I received a letter saying under the terms of the insurance as I was still not working, the debt was repaid and the balance was zero. Hurrah I thought, but once or twice a year since then i'd get debt collector letters demanding the balance, as it was before I took out the insurance claim. Anyway I simply wrote back with a copy of the insurance letter and they seemed to go away. That was until about a year and a half ago, i was suddenly getting letters from LloydsTSB who I banked with and had the credit card with, demanding payments and adding charges for my credit card to my current account, this took me over my overdraft and sent my charges sky high, I was suddenly locked out of my internet banking and when I went into branch, to try and put some money in to prevent my unauthorised overdraft spiralling out of control, was told my account had been closed and I would just have to go home and phone customer services - I was fuming to say the least. This was followed by a mad flurry of debt collection calls and letters, so I made a complaint to the Financial Obmbudsman. The findings were that Lloyds had failed to write off the debt on my card when it was settled and that any charges relating to my current account were unfair and my account was to be reinstated immediately. (I haven't tried using it - moved to another bank and I haven't even tried using my credit card since I lost my job) All fine and quiet for about a year, which brings us to this summer when it all started again and currently I have eight or nine different debt collection agencies after payments for both my credit card and my current account debt via letter and what seems like every five minutes telephone calls either on my landline or mobile. It's driving me insane, I've tried writing, sent copies of the insurance and ombudsman reports and yet they keep on. I've supplied a copy of my credit report where it says 'settled' in 2007. I've told them they are mistaken, I've asked them to supply me with proof of a debt. They're just not interested. What can I do to put an end to it all once and for all? Any advice anyone can give me would be most appreciated. At first it was quite laughable at how they could make such a huge error, but now its feeling like a huge weight, as I don't know whats going on behind the scenes I'm worried i'm going to have to deal with doorstep agents or CCJ's (a friend told me they can CCJ you without you even knowing!). I just need it all to stop now. Sorry for rambling on, but it's a fairly odd predicament don't you think?