can someone advise please . I am in scotland due to ill health, I had to give up work and we were no longer entitled to tax credits since 2010 we have not revieved any tax credits payments In 2011 after long battle, I got enhanced rate of rate and got a lump sum which was back dated money Since those payments came thru, tax credits have been chasing us for different amount of money goin back to 2009 and I have been arguing with them because they keep using 2 different debt collection agencies to chase us but give each company a different figure on various letters they have added different figures too which i always argue but they always seem to have answers for. I recently sent SAR and got all paperwork back but cannot make head nor tale of it because a lot of letters i sent them by recorded delivery are not in their pile of paperwork which makes me question what else is missing luckily i have them on computer as well as the recorded delivery postal slip showing they received them and who signed for them. Can they use 2 separate agencies to chase us? I sent both companies letters telling them that this alleged debt is being disputed and i will not enter into agreement with either one of them whilst i am still communicating with HM Revenues & Customs myself I am quite willing to go to court over this if I have to. They also claim i was overpaid tax credits last year by £132 but i have never claimed tax credits since we were last told we were not eligible there is a payment in bank at same time as another payment from pip both payments just say HM Revenue and customs we just assumed it all came from same place they are saying unless we can prove the error was theirs then they will keep chasing us for the overpayments, we do not know what to do can anyone help with advice please. thanks in advance