Sascoco, just contact your bank for the reference no and they will be able to find the payments, don worry about it, this is a common occurance.
Its not a matter of the bank allowing the money to come in and not find out who it belongs to.
When i worked with this company the holding account would have hundreds of payments sitting in it, we would get an updated statement on it everyday and it would be pages and pages long.
The company would have to employ probably 2 more people just to deal with this alone when in essence the problem lies with the bank sending the payments (attaching an incorrect ref no.). It just wouldnt be feasible to track every single payment.
It really is a pain for the finance company because customers call usually freaking saying we are hiding their money or conning them when its their own bank at fault.
One other thing, were you due to start payments on the account ie was your account in arrears because these payments havet been applied.