I came home to a letter from Moneyclaimonline today, the instigator being Moriarty Law on behalf of Utility Warehouse. They contacted me about a year ago for a debt they claimed I owed in 2014, during the phone call I asked them to provide me with proof of the debt which was never supplied plus this does not show up on my credit file with Experian to date (I checked today). How this happened, if relevant is I needed an EPC for my home, the surveyor pressured me into consolidating my utility bills which I wasn't keen on but they kept telling me I was under no obligation and could always say no at the end.... which I did. convinced me to take out the gas / elec / internet / phone but when my mobile came in the redemption fee put me out of pocket and UW wouldn't cover it so I had a huge mess but managed to sort it out. After this I lost faith in the UW and requested to cancel the service with them, they were awkward to I went straight to my old utilities who transfered the services back. I wasn't aware of any outstanding debt, I believed my old company had figured this out. So I'm concerned I have a small claim's court form to complete, potential damage to my credit file but no default on my account to date. Any advice please?