I would approach them again and ask to see ALL proof of the debt they are chasing you for.(posted 7840 days ago)Without full proof of the alleged debt then you can argue your case that you should not pay.
It took me a while to obatin proof of costings added to the mortgage account. I finally received bits and pieces but before any more evidence was provided to me the Halifax simply wrote stating that they would not answer any more of my letters.
Sounds like the banks and societys are hiding incriminating information from the borrowers