the sad thing is this has all happened before about 4 years ago and we only found out when they turned us down for a mortgage because of a defaulted loan! It took ages to clear and now it's happening again. May try the Guardian route but I really think they simply target my hubby because of the last name. It's sickening that you actually waste time, energy and get stressed beyond belief simply because a debt collecting agency appears to be in the right without any proof whatsoever.