There is no reason for them to get involved in peoples legitimate over payment of taxes that are easily claimed or automatically returned by HMRC. They are getting involved in peoples business then having the cheques sent to them so they can skim a 1/3 of your money for themselves. Stay away at all costs and hang up the phone when you hear Goldman Knightly!!!. They are basically trying to piggyback an overpayment in income tax on a PPI payout with your own overpayment to claim fees on your money ie Theft!!!.