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bank and recovery problem

well my case is different from evry one n weird as well
last year 3rd of nov i sold my roles watch up2 £5000. the guy who bought that watch transfer money into my account, it was saturday so i went to change in beurea to get it into euro's.
i went to thomsons n gv my bank card n type my pin code n gv me idds.after transaction completed she rung my bank and my bank refused to pay me cash so i went to marks and spencer to cash out. they give my the money so after a week wn i received my bank statment, there were two transactions from thomsons and marks&spencer. first i thought its bank fault or something then my bank give my case to west cott recovery agency. my solicitor explained them everything then my bank give my case to IQor recovery. now they been after my n saying to give back that money.i went to thomsons n i have got a letter that shows they havn't received any money from me so i said that to recovery that i never had that money and thomsons said that money is been transfered back to my bank.
IQor recovery said bank faurd team done there investigation and they said to collect £5000 from me.
they threat me that they gona come down my house, but i live with my dad and i dnt have anything. i am a student in universtiy and m not working.
so what they can do??
in the end if i have to pay, wil they accept if i just pay like £10 a month because i have no property n hvnt got ani saving at all.
but i dnt understand i fax that letter to them as well that show thomson neva received any money frm me but still they after me n keep ringing me and sayin 2 pay that amount back.
can any one tell me what 2 do?
i am really stressed and dnt knw wa to do.please email me back.

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