Hi I am in need of advice. I received a letter middle of last year from Mackenzie Hall asking me to contact them on a personal matter. I checked them out on the web and found this sight. I decided to ignore the letter from the information I had read. I have this week received a letter demanding payment of an outstanding debt, I do not and have never had a bad debt, they said they were acting on behalf of Cabot Financial, who they said had made repeated requests for payment, I have not received any requests. They have made me a Reduced Settlement offer of £262.58 instead of £437.64!! If I do not pay they have threatened Court action, Bailiffs Bankruptcy!! Should I just ignore this letter as well, I am reluctant to contact them as I have read various accounts of harrassment on this site. What should I do?