we have recieved three letters from Mackenzie Hall, we have not replied to any of them as i am not sure what they are for they have my husbands name at the top of each letter, but we do not have any knowledge of owing any money, what can we do, any help most apprieciated. The 1st letter started with we are attempting to contact the above named person regarding a personal matter. We have been provided your address as being the possible residential details for our subject. then it says if you are not the person named above contact subject not known/goneaway 01563 556052 and if you are the person contact 01563 556 051 quoting ref blah blah whereupon further detailed info can be provided . The 2nd letter started Dear ****** ******* We have been instucted by our client to recover this OVERDUE ACCOUNT on their behalf. Our clients have informed us that they are unaware of any LEGITIMATE REASON FOR NON-PAYMENT of their account and although they would prefer an amicable settlement, THEY WILL NOT HESITATE TO TAKE SUCH FURTHER ACTION AS MAY BE APPROPRIATE. We trust that this will not be necessary and would request that you send your PAYMENT BY THE DEADLINE BELOW to the address at the top of this letter to avoid action. The deadline was the 26 th january. The 3rd letter was again addressed to my husband PLEASE CALL 01563 554548 NO LATER THAN 24TH FEBRUARY 2009 IF THE ABOVE PERSON IS NOT YOU PLEASE CALL 0800 012 6179 THIS IS NOT A CIRCULAR OR JUNK MAIL WE NEED TO SPEAK TO YOU URGENTLY REGARDING REFERENCE NUMBER *********** THANKYOU. any help with this would me gratefully recieved thankyou.

i have had all the letters from advantis credit , and crown litigation blooming services for a water bill that i was not even living in the said property for, i had moved out well over a year earlier and the lastest letter is they have now been instructed by advantis credit to issue proceedings without further recourse to myself i do not know what to do i have been ignoring these letters for quite some time any help would be appreciated.

my husband and me signed an agreement with Roko after being pressured into this at the gym,the very next day we went into the gym with our membership cards and a letter to cancel in writing, we were told we could not have out £120.00 joining fee back which was annoying to say the least but we accepted that and we were assured that we had cancelled, this was on 31st march 2006, we have just recieved a letter telling us we owe roko gym £1279.70 this letter is from CRS , i phoned rokos head manager and he told me he has evidence that we handed in our cards the next day and that we never used the gym once. what can we do, can someone please help. thankyou