Urgent: Final Demand Received Despite No Outstanding Balance Urgent: Final Demand Received Despite No Outstanding BalanceI’ve just received a final demand letter in the post today stating that I owe £20 and that the debt will be passed to a collector if unpaid.This is the first letter I’ve received—no prior communication or reminders.To be clear, I do not have any outstanding payments on my account.Here’s what I can see on my payment history: 23rd May: A £10 payment failed but was re-attempted the same day and successfully cleared. 2nd June: Another payment (requested early—it wasn’t due until the 25th) also failed but was again re-attempted that same day and cleared. There’s always money in the account, plus an overdraft, so I don’t know why it failed in the first place. Despite this, when I checked my iD Mobile account, it bizarrely showed that I owed