Thanks sequncei, i will sit tight and see what happens.

Thanks 42man, have sent one of those to both Meritforce and Mackenzie Hall, Last week and have heard nothing yet. Just a bit concerned that the debt may have a CCJ on it from when i was living at my parents, my parents (we are now talking again) have never had a visit from anyone reguarding the debt. How can i check for a CCJ.

Hello to all, please excuse me if this question sounds stupid i am not that clued up on these things. Whilst living with my parents i had a unsecured bank loan with NR for 3k in 2001. Because of various problems at home i ended up leaving in 2001 and working away from home for a couple of years , now i just neglected to inform NR of any changes of address and stopped paying off the loan. My parents said they just sent letters back saying not at this address anymore. Now i am an homeowner (mortgaged) living with my wife. I recived a phone call from a Mackezie hall in Nov 2007 ASKING ME ABOUT THIS LOAN, I DID NOT ACKNOWLEDGE THE LOAN AND SAID IT MUST BE IDENTITY THEFT. Then i received letters saying they are acting on their clients behalf to reclaim the debt now at £3491. Now this where i might have cocked up, i ignored the letters until i got one in Jan 08 from MERITFORCE about a doorstep collection, that is when i found this website and sent a letter claiming the debt is statue barred 6yrs had passed. I know it's long winded but i am getting there, what if a CCJ was placed on this debt at my parents address in my absence how do i find out. And where do i stand in fighting the DCA. I know i should pay the debt but want to make sure it's not statue barred. Any advise or help is welcome Thanks

Thanks a lot. will send the letter.

Thanks for that OCD wiil send the letter.

Hello first post so hi to everyone. I received a phone call from mac hall in Nov 07 (DONT KNOW HOW THEY GOT MY NUMBER). They said it was reguarding a debt from a northern rock loan for 3,500 in Jan 01. I told them i had no idea about the loan adid not acknowledge it, they said i would receive a letter explaining everythink. 3weeks later i got a letter but after reading about they on this site i just ignorned them, also keep getting messages on the phone. The last letter was a direct debit aggrement for me to sign so that got binned, the cheeky bstrds have searched my credit files as well without my permission how can they do this. I have now received a letter from COMPANY CALLED MERITFORCE DOORSTEP COLLECTIONS, saying that if the outstanding balance was not paid i would getting a visit. How do you get these off your back, i have not responded to any letters or phone calls. Any advise Please.

Hello, first post so hi to everyone. My problem is i received a phone call from a firm called mackenzie hall in november 07, saying i owed a debt from northern rock for a bank loan in jan 2001 for 3,500. I did not acknowledge the debt as i have no idea where it came from and told them that, they said i would receive a letter with more details. 3 weeks passed then i received a letter just stating that a outstanding debt in my name for 3,500 was due payment, also i keep getting phone calls and messages left on my answer machine. After looking at some of the posts on this site i did not return any calls and binned the letters, the last one was for a direct debit agreement the cheek of them. I have now received a letter from a doorstep collections agency called meritforce advising me that i am getting a vist from them reguarding the above debt. I have read about this mackenzie hall and they sound a bit dogy should i just ignore them or is ther anything i can do to get them off my back. Also i checked my credit reference reports and found that mackenzie hall had searched my fles without my permission. Any help would be appreciated.