Hi everyone,

looking for a bit of advice as im getting more and more frustrated with this.

I had a Lloyds TSB account, opened in 1998 that I had until december 2001

when I switched my account over to Abbey (through work, was a requirement to have an Abbey account weirdly).

I had a phone call in november of 2001 advising that 2 companies could not be switched over due to the DPA,

so i rang the 2 companies and gave them the new account details (one was o2 for a mobile contract, cant remember the second one).

I then went into the local Lloyds TSB, and handed my card, cheque book and a hand written letter asking for the account to be closed.

I heard nothing more from Lloyds TSB until the middle of 2002 when I received a letter stating I owed £320 for unpaid DD charges.

I rang the collections department and said that i had closed my account in december so did not owe anything,

to which the advisor said that they could see the account was closed so would write that off

and i would hear nothing more of it (not those exact words but you get what i mean).

I did not hear anything for around 3 years when this amount surfaced

when a DCA wrote to me saying they owned the debt (alleged) and i had to pay them.

I rang them back and explained that i did now owe anything, which no surprise fell on deaf ears.

I have ignored these letters (and phone calls), and

after a while they disappear only to resurface a couple of years later with a new DCA.

I do not call these companies now, and do not correspond with them.

ABout a year ago one company offered me a settlement figure of 45 quid to clear the lot,

however as i do not owe anything why should i pay any figure.

I am now being hounded by Mckenzie Hall, who are writing letter after letter and leaving voicemails on my home phone number at least once a day.

I have had the misfortune of speaking to them on the phone and when i refused to cinfirm any details

the guy said they would write to me but would continue to call me.

I am now at the end of my tether and really need advice on what to do as after 13 years this is still causing me stress and worry.

Any advice will be gratefully received.

Ray

as long as your credit file is clear of these debts

send them the STATUTE BARRED letter from the library tab top left

the FCA are clamping down hard on this type of activity now

just see the new CONC rules

dx