diff --git a/conf/resources/data/cesa/multipleChargesWithMissingReferences.json b/conf/resources/data/cesa/multipleChargesWithMissingReferences.json
new file mode 100644
index 00000000..d604bb09
--- /dev/null
+++ b/conf/resources/data/cesa/multipleChargesWithMissingReferences.json
@@ -0,0 +1,30 @@
+{
+  "debitIdentifiers": [
+    {
+      "UTR": "multipleChargesWithMissingReferences",
+      "saTaxYearEnd": 2023,
+      "creationDate": "2022-07-03",
+      "chargeType": "LPI",
+      "tieBreaker": "0002",
+      "originalCreationDate": "2022-06-03",
+      "originalChargeType": "BCD",
+      "originalTieBreaker": "0001",
+      "chargeReference": "MissingRef1",
+      "parentChargeReference": "K0000000000001",
+      "processingOutcome": "E"
+    },
+    {
+      "UTR": "multipleChargesWithMissingReferences",
+      "saTaxYearEnd": 2023,
+      "creationDate": "2022-07-03",
+      "chargeType": "LPI",
+      "tieBreaker": "0002",
+      "originalCreationDate": "2022-06-03",
+      "originalChargeType": "BCD",
+      "originalTieBreaker": "0001",
+      "chargeReference": "MissingRef1",
+      "parentChargeReference": "K0000000000001",
+      "processingOutcome": "E"
+    }
+  ]
+}
diff --git a/conf/resources/data/idms.saEligibilityCheck/multipleChargesWithMissingReferences.json b/conf/resources/data/idms.saEligibilityCheck/multipleChargesWithMissingReferences.json
new file mode 100644
index 00000000..51843b4e
--- /dev/null
+++ b/conf/resources/data/idms.saEligibilityCheck/multipleChargesWithMissingReferences.json
@@ -0,0 +1,4 @@
+{
+  "processingDateTime": "2020-08-13T09:30:00",
+  "specialOfficeProcessingRequired": false
+}
\ No newline at end of file
diff --git a/conf/resources/data/sa/multipleChargesWithMissingReferences.json b/conf/resources/data/sa/multipleChargesWithMissingReferences.json
new file mode 100644
index 00000000..74c1daa5
--- /dev/null
+++ b/conf/resources/data/sa/multipleChargesWithMissingReferences.json
@@ -0,0 +1,155 @@
+{
+  "cesaData": {
+    "customer": {
+      "individual": {
+        "title": "Mr",
+        "firstName": "Ben",
+        "lastName": "Thomas",
+        "dateOfBirth": "2014-09-12",
+        "dateOfDeath": "2014-09-12",
+        "identifications": [
+          {
+            "idType": "UTR",
+            "idValue": "multipleChargesWithMissingReferences"
+          }
+        ]
+      }
+    },
+    "addresses": [
+      {
+        "addressType": "string",
+        "addressLine1": "string",
+        "addressLine2": "string",
+        "addressLine3": "string",
+        "addressLine4": "string",
+        "rls": true
+      }
+    ],
+    "filings": [
+      {
+        "icrCategory": "string",
+        "icrDescription": "string",
+        "fromDate": "2014-09-12",
+        "toDate": "2014-09-12",
+        "dueDate": "2014-09-12"
+      }
+    ],
+    "charges": [
+      {
+        "chargeType": "LPI",
+        "UTR": "multipleChargesWithMissingReferences",
+        "tieBreaker": "0002",
+        "creationDate": "2022-07-03",
+        "originalCreationDate": "2022-06-03",
+        "saTaxYearEnd": "2023-03-05",
+        "originalChargeType": "BCD",
+        "originalTieBreaker": "0001",
+        "mainType": "Charge 1",
+        "mainTrans": "4000",
+        "parentMainTrans": "4000",
+        "subTrans": "1005",
+        "taxPeriodFrom": "2022-02-06",
+        "taxPeriodTo": "2022-03-05",
+        "dueDate": "<DUE_DATE>",
+        "interestStartDate": "2022-03-05",
+        "outstandingAmount": 3000.00,
+        "accruedInterest": 500.00
+      },
+      {
+        "chargeType": "LPI",
+        "UTR": "multipleChargesWithMissingReferences",
+        "tieBreaker": "0002",
+        "creationDate": "2022-07-03",
+        "originalCreationDate": "2022-06-03",
+        "saTaxYearEnd": "2023-03-05",
+        "originalChargeType": "BCD",
+        "originalTieBreaker": "0001",
+        "mainType": "Charge 2",
+        "mainTrans": "4000",
+        "parentMainTrans": "4000",
+        "subTrans": "1046",
+        "taxPeriodFrom": "2022-02-06",
+        "taxPeriodTo": "2022-03-05",
+        "dueDate": "<DUE_DATE>",
+        "interestStartDate": "2022-03-05",
+        "outstandingAmount": 3000.00,
+        "accruedInterest": 500.00
+      }
+    ],
+    "responseCode": {
+      "timestamp": "2024-02-28T11:43:56.235Z",
+      "httpCode": 200,
+      "reasonCode": "002",
+      "description": "success"
+    }
+  },
+  "etmpData": {
+    "customer": {
+      "individual": {
+        "title": "Mr",
+        "firstName": "Ben",
+        "lastName": "Thomas",
+        "dateOfBirth": "2014-09-12",
+        "dateOfDeath": "2014-09-12",
+        "identifications": [
+          {
+            "idType": "UTR",
+            "idValue": "multipleChargesWithMissingReferences"
+          }
+        ]
+      }
+    },
+    "addresses": [
+      {
+        "addressType": "string",
+        "addressLine1": "string",
+        "addressLine2": "string",
+        "addressLine3": "string",
+        "addressLine4": "string",
+        "rls": true,
+        "postcodeHistory": [
+          {
+            "addressPostcode": "string",
+            "postcodeDate": "2024-03-15"
+          }
+        ],
+        "contactDetails": {
+          "telephoneNumber": "0302 400 4859",
+          "fax": "0302 989 2453",
+          "mobile": "07984958691",
+          "email": "agent1@gmail.com"
+        },
+        "postCode": "string",
+        "country": "string"
+      }
+    ],
+    "filings": [
+      {
+        "icrCategory": "ZR01",
+        "icrDescription": "RTI - PAYE - Monthly Returns",
+        "fromDate": "2022-03-06",
+        "toDate": "2022-04-05",
+        "dueDate": "2022-04-22"
+      },
+      {
+        "icrCategory": "ZR01",
+        "icrDescription": "RTI - PAYE - Monthly Returns",
+        "fromDate": "2022-04-06",
+        "toDate": "2022-05-05",
+        "dueDate": "2022-05-22"
+      }
+    ],
+    "responseCode": {
+      "timestamp": "2024-02-28T11:43:56.235Z",
+      "httpCode": 200,
+      "reasonCode": "002",
+      "description": "success"
+    }
+  },
+  "responseCode": {
+    "timestamp": "2024-02-28T11:43:56.235Z",
+    "httpCode": 200,
+    "reasonCode": "003",
+    "description": "Retrieved successfully"
+  }
+}
\ No newline at end of file