thanks everyone! i have done what people have said letter has been sent recorded, but i have not contacted them any other way..seems these people just like to pick names out of a hat!!. I really appreciate all the help from the board and will keep you all updated. they make you so angry:mad:. heres hoping they leave me alone if not trading standars and any other people i can think of will be informed of there practices they need a good telling off and iof all else fails a letter to the PM...mind you doubt that wil help!lol fingers crossed all and thanks again:D

THANK YOU! I am going to do the letter asap! do you think i should still call though? or just write and see? lol thank you so much again and i will keep you posted.

Hi All I am new to the board but could really do with some help. Firstly mcenzie hall i had to change my tel number as the last prson who had it had debts that i was being persued for i told them to eithr leave me alone or i would contact the police for harassment...that didnt work so ended up changing my tel number! my problem today is that on wednesday i rec a letter from rockwell telling me, well here's the letter this account with a balance of £727.41 as at 31st may 2004 was sold by royal bank of scotland plc to teresa portfolio management ltd ("TPM") on 5th July 2004 TPM are the legal owners of this account and are entitled to all future payments. Taking onto account payments received up to and including 5th July 2004, the current balance of this accout is £727.41. TPM have appointed Rockwell (who also trade as Rockwell Debt Collection agency) as managing agents for this account, to manage all payments tht are due from you. We have been passed your account by Teresa Portfolio Mangagement ltd in order to arrange the repayment of your outstanding balance. It is very important tht you contact us on 0870 606 0807 so that we may make the necessary arrangements as soon as possible. We would also like to remind you that no further payments should be made directly to the ROYAL BANK OF SCOTLAND PLC, they must now all be made via Rockwell. In order that we can get ypur payments arrangements in place as early as possible, we must ask that you contact our office before 2 may 2009. As a responsible company we have our own internal complaints procedure and by accessing our website, you will find links to the financial ombudsman service and various other trade organisations which we are affiliated to. Should you require the telephone numbers for theses organisations please do not hessitate to contact us yours faithfully ROCKWELL. THEN TODAY I GOT ANOTHER LETTER IN RED!! less than 48 hrs after the first one, this goes.... we have been instructed by ROYAL BANK OF SCOTLAND ( NATWEST)PLC TO CONTACT YOU REGARDING THE ABOVE ACCOUNT WHICH REMAINS UNPAID YOUR DEBT IS NOW OVERDUE AND MUST BE PAID IN FULL TO THESE OFFICES WITHIN THE NEXT 7 DAYS OTHERWISE WE WILL TAKE IMMEDIATE ACTION ALSO A LETTER SUPPSIDLY FROM NATWEST BANK PLC COLLECTIONS MANAGER....NO HEADDING NO REGISTERED MARK JUST PLAIN WHITE A4 PIECE OF PAPER STATING... WE HEREBY GIVE NOTICE OF THE ASSIGNEMENT OF THE DEBT DUE TO US BY YOU IN RESPECT OF THE OUTSTANDING BALANCE ON YOUR NATWEST CREDIT CARD ACCOUNT. ON 5TH JULY 2004 YOUR ACCOUNT WAS ASSIGNED TO TERESA PORTFOLIO MANAGEMENT LTD WHO ARE NOW THE LEGAL OWNERS OF THE DEBT, WO HAVE APPOINTED ROCKWELL AS THEIR MANAGING AGENT FOR THIS DEBT. ALL FURTHER COMMUNICATION MUST TEREFOR BE ADDRESSED TO ROCKWELL AT THE ADDRESS ROCKWELL POBOX 66 SOUTH END ON SEA ESSEX SS1 2GX PROBLEM IS I HAVE NEVER HAD A CREDIT CARD WITH NATWEST!! yes when i was at college over 10 yrs ago now , i did and yes i had an a/c and solo card & overdraft with them and yes i continued to pay till the debt was cleared...but i have NEVER had a credit card! please someone tell me what to do ....this couldnt have happended at a worse time for me the doctor has just put me off work for a week and told me to relax dont get stressed or anything as i am in early pregnancy and i want to call and say i have never had a credit card but after the perfomance i had with mckenzie hall..which was not even for me i dread it . please help much appreciated lisa:eek: