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Bryan
Isn’t is a farce from the CMS? You are correct, this should not be happening so fight back. Ask them how this could be and to prove the arrears. I guarantee you they will fob you off until you give up. So my advice is get someone who knows what they are doing to help you. It is not worth putting your health at risk trying to fight these monsters on your own.
Drop me a line at [email protected] or http://www.selwynslaw.co.uk
Regards
David