Moderators: TalbotWoods, JaneClack
First things first, YOU MUST contact them, as the very first thing I noted is that you have said you have been paying £45 a week for the last 3 years. Ergo you have paid £7020 to them. (45 x 52 x 3)
So maybe if they could have contacted you, they could have informed you that the debt had been paid off several months ago.
If you are not in contact with them, then there is nothing else that we could suggest.
Yes you could stop paying them, and potentially loose about £1020 over payment (assuming full paid years), that they may owe you, or contact them and potentially get some or all of this back.
Your choice
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Abbreviations used in DQF
CRF Contacts
My advice is guidance only, if you want the law then consult a lawyer!
(c) All Spelling mistakes are my own design, infringement of them may result me sulking!

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Fil
Well done!
Want to talk to someone confidentially, without obligation and free of charge?