All letters have been sent. No response so far. New letter arrived today from Mackenzie Hall..... final notice demand! These guys are funny are they not, I laughed so hard a little bit of wee came out. I have all the relevant complaint forms from the CSA ready and waiting and they have been informed. Just need to check my credit rating again at some point to make sure they're not black listing me. Will keep everyone updated as to how this case goes.... be relevant for anyone who is being harassed by Mackenzie Hall who don't have any debt.

Thank you for your responses, they have been very helpful. I am drafting the letter to Mackenzie Hall tonight, using the helpful template as posted here. I have done a credit check and as of today all is clear and A1 as it should be. I am drafting the letter and addressing to the person outlined on the CSA website against Mackenzie Hall. I will be sure to report back as to how Mackenzie Hall respond, or don't. I will also follow the advise to perhaps make trading standards aware. Thank you all very much in your guidance and watch this space!

I have received a letter from Mackenzie Hall stating that myself and black horse finance have an outstanding debt. I have never heard of them before and I certainly do not have any outstanding debts to my name. The letter requests you fill out your bank account details and return to them!! I have no knowledge of any debt and as an individual have never been in debt. I have called Black Horse who have no record of me or record of any debt, as they indeed shouldn't have. I then contacted the police as I believed the letter to be a [problem]. I have then contacted Mackenzie Hall, to which they requested my date of birth, I stated I did not want to give them any more information as I don't know who they are or what this is all about, I just wanted to inform them that I believe they have sent this letter incorrectly. To which she replied I cannot deal with this case unless you give me your date of birth. I am not giving this information out! I am most concerned that my impeccable credit history is going to be black marked due to a mistake and wish to get this ironed out as soon as possible. I have called citizens advice and they recommended I write to the person allocated to the company on the CSA website, stating that I have no record of the debt or the company associated with the debt and I want to be removed from their records immediately. I am writing this letter today.. I have looked at various posts but these all seem to indicate people with an actual debt. I have not got a debt, full stop never have, never will. Also all the posts just state this initial stage and I cannot see any info from anyone who has actually written to them and what the outcome is... as I have said before I have no debt and therefore want to make sure I don't get blacklisted as part of a mistake. Any feedback would be gratefully read!