Hi all newbie here:smile: This morning i recived a letter from Mackenzie Hall saying i need to contact them immediately??? I gather from reading some of the posts here that they are some sort of dept agencey wanting money, now i can't think of any dept i owe so would it be wise to go to citezens advise or should i get a credit report done (where would i get this done?)to see if i do owe anything, am i also right in thinking not to phone them, really want to just to find out who i owe what to and how much. I have just moved into a new house with two of my mates and i really don't want them finding out as it makes me look bad.... Really stuck on what to do so could anyone please, please help me out and give me any advise on what to do.... Cheers