I have been having some terrible problems sorting out a money matter. As far as I am concerned I have made full and final payment to the company involved and indeed have an email and letter to say as much. However I keep receiving threatening phone calls and letters demanding more money that I do not believe I owe. They are threatening County Court Proceedings now.

Please can you help me clear this matter up, as I thought I had done my best to sort it out myself but seem to be getting no-where. I rather foolishly took out an agreement for the lease-hire of a vehicle that was never used by me, but by a boyfriend. This then unfortunately accumulated some fines for congestion charges in London, never in my name.

I do not have a full driving licence in fact and have never passed my driving test. The vehicle was taken back by Citroen in August 2010 and in October I came to an agreement for full and final payment. I have enclosed a copy of the latest letter from Citroen and a copy of the email that I was sent to confirm full and final payment. I do also have a letter to confirm payment and I will send this to you as soon as I find it if you need this, however the email does also confirm this.

As soon as I try to sort this out with one person by telephone, they do not return calls and then I receive a letter from someone else in another department. I am scared by the threat of County Court proceeding and I would like this matter to be over once and for all. I have had a worrying year having just divorced and sold my house and this is just one more thing on top of it all.

I also believe this is affecting my credit rating which was perfect until this matter. Hoping you can help. I enjoy reading your advice in the paper.