I'm not too sure if this is the correct section, hopefully it is. I'm hoping that someone here will be able to give me some pointers regarding arrears and the child support agency. Basically I received a call back in Feb saying I had arrears of a couple of hundred pounds, and after numerous previous problems with them I just decided to go for an easy life and promptly paid what they were asking. I was then told that my account was all up to date and there were no further arrears outstanding, and as I was on a nil assessment I wouldn't have any further dealings with them unless my circumstances changed. Then roughly 6 months later (August).......I received a phone call out of the blue from someone from the debt enforcement team telling me I had arrears outstanding for a few thousand pounds. I told him I had paid arrears back in Feb and as far as I was aware there must be some mistake. He basically went on to say that it looked like someone had suspended arrears when the account changed over from the old system to the new one...........but I had never been informed of any arrears or suspension. I have since received a breakdown of my account and from what sense I can make of it, it seems that there was a period between 1998-1999 they were requesting payments that in total are close to the amount of arrears that they are now seeking. My problem is in the fact that I have no memory of what was happening so long ago or what my circumstances were at that time. I am also wondering if in fact they can pursue me for any arrears (if any) after telling me in Feb I was clear and up to date. I am at a total loss as to what to do next, I have always complied with the CSA, and never tried to avoid them......but the fact that they are seeking such an amount now has me worried sick. I dont know if this is relevant but at the minute I am on a NIL assessment. Please post any help or advice that you may have, and thankyou.

thankyou. i'll just send off the letter and hopefully that'll be the end of it. i appreciate all the advice and info given guys, thankyou.

thanks for the replies guys, much appreciated. i have amended the letter in post 2 to suit.........do i just type my name at the bottom of it and send it off. i was asking about which address to use because.........what if they send a reply, what if they find out i've moved and i didn't tell them when i sent the letter...........would they not have something to say about with-holding info. i'm sorry if some of this seems silly but i'm not too clued up on how these things work.

ok thanks. should i give them my current address when i send the letter? do i need to include anything with the letter.....i.e. postal order or anything? do i just send it to the address that's on their letter?

right guys, MH have phoned my house (dont know how they got number?)...anyway we weren't home at the time so it was just a message left....a computer generated voice saying their website. that was it. what would i be best to do (remembering the letter they sent was addressed to my old address)..........should i send a cca request, or send the letter above regarding no knowledge of the debt, or just ignore it. to be honest i'm not really to keen on ignoring it as i think it'll never really go away. what should i do if they phone again? any help would be appreciated guys.........i just want this to go away. oh and if i do need to send a letter to them should i give them my current address.........in case of responses.

so should i still send them the letter above or just ignore it.........after all it was addressed to my old address.

mackenzie hall have MHDP (mackenzie hall debt purchase ltd) on their site along with other ltd's. with regards to the letter above.......what if the debt is mine? i'm going mad here trying to think if i ever did have some credit with the named company, my wife says she cant recall anything and we've been together 12 yrs. and another thing i'm the kind of person that panicks with this sort of thing, what if i've had letters before about this and paid something............although again i cant recall doing that.

Hey guys, hoping someone can advise me on the best course of action to take here. I received a letter from mackenzie hall offering me a reduced settlement for a debt that i have no knowledge of.........i'm not saying their mistaken just that i dont recall having the debt. Anyway it states that i can clear the debt for a very small amount of cash, roughly £80 has been knocked off it. The letter was addressed to my old address but was passed onto me, it has the original creditor on the letter but states that the pursuers are MHDP Ltd, does that mean that they are the ones that want the cash? It also says that i must pay by a certain date otherwise i lose the option of the reduced rate, and also "our client would prefer an amicable settlement, however should the settlement amount not be paid by the specified date, they will not hesitate to take such further action as may be appropriate". Even though i could easily pay the amount their asking i'm not happy about just coughing up until i know my options not to mention if i even owe them at all. I'd appreciate any advice offered, many thanks.

RESULT! Just had a telephone conversation with the bank and they have agreed to cancel the charges on the account. I was a bit surprised as I was expecting a whole lot of grief.

Hi guys. I'm needing a little help with regards to bank charges. My wife miscalculated our finances the other day and used her visa debit card to pay for goods which meant we were overdrawn on our overdraft. She used the card twice one to the amount of £1.41, and then again for £4.24........meaning she had went over our agreed overdraft by £5.65. We have now had a letter from the bank informing us that they plan to make charges totalling £98.00...........it breaks down like this.......£35 for each of the times she used the card, and £28 for an unauthorised overdraft fee. Is there anything we can do to avoid having to pay these ridiculous fees? How can they justify such costs all for the sake of £5.65? If anyone has any advice we'd appreciate the help. The account is with halifax bank of scotland.

hi guys, yet another letter arrived yesterday morning. it says in the letter that this will remain as an unpaid debt, and it will also adversely affect your credit rating. how do we get them to stop this nonsense? its really starting to annoy my wife. here's the letter:-

when you say time for trading standards......what exactly do i do from here? do i need any specific letters or anything. all info and help is greatly appreciated.

this arrived in the post this morning. does it actually mean anything or just more scare tactics? first pic is the front of the letter, and second pic is what was on the rear. i did notice that the date shows todays date, but the envelope shows it was sent second class???

thanks. i think we will be sending them a copy of that letter. as usual i'll keep posting updates. thanks again........all your help is very much appreciated.

we have received the following letters from RW&Co, both of them arrived within a matter of days. After all the letters we have sent them they are still writing to us..........even though they have never produced the agreement when we cca'd them. does anyone have any thoughts on what we should do next..............are these letters anything to worry about? or should we just file them along with all the others? here are the letters, first pic was the first letter to arrive.

we dont know what their on about, we never received anything from HFC! would it be advisable to just file this letter and wait to see what happens next? or is there anything further we should now be doing seeing as they received our last letter ,but by the looks of it are choosing to ignore it.

we received a letter this morning from RW&Co, i'm guessing this is obviously their reply to our letter that we sent regarding their intention to visit. the letter contains the following:- further to your request for a copy statement/agreement for your account. our client confirms that all relevant information has previously been sent to you, and that the balance outstanding as stated above is correct. the account is now long overdue for payment and we look forward to receiving payment in full, or your payment proposals, by return. whats your thoughts on this, and what would be the best plan of action now? many thanks for all help and info submitted by all you good folk out there, please keep it coming.

anyone able to answer my last query?

hope i'm not being silly here, but does that extra bit still apply as i'm in scotland?

i guess i tempted fate yesterday talking about BC&W................a letter arrived from them this morning. please see pic. should i now send them the same letter i sent to RW&C? btw does the letter i received from BC&W carry any weight, or is it just fear tactics again. they have already sent us a letter in reply to our CCA request stating they dont have the credit agreement at their office as they are not the creditor.

ok, thanks for all your help. i am however going to print up a letter anyway, just so its ready to post if they do ask for money. i guess i only need to remove the part at the top of the letter saying...............thankyou for your letter of xx/xx/xx, the contents of which have been noted. is that correct?

i have now changed the letter to suit and its ready for posting. i was wondering should i also send the same letter to buchanan clark & wells seeing as the last i heard from them was on 27/7/07, they typed up a letter as soon as they got the cca request. the letter stated:-

thanks for that..........should she sign it or just type her name?

hi guys, its been a while but we received a letter from RW&C this morning. this is the first we've heard from then since their last letter (13 aug 07), that was their reply to our cca request. any suggestions as to what we should do? the letter we received today:-

just an update on things. we still haven't heard anything (and dont want to) from any of the dca's. should we just forget about it?