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LittleMissW

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  1. Just an update on this, received a lovely letter on Saturday from Mackenzie Hall with the heading DOORSTEP ASSESSMENT in big red letters. Apparently due to repeated efforts to contact me (1 phone call, 1 text) and not being able to get in touch they MAY have no other option to sanction a doorstep visit to my property. They will make a visit to my property within the next 10 days. Its been 7 days since the date of the letter so he'll be coming this week! So exciting! Prove it letter is going recorded delivery tonight, will be interesting to see what their next move is
  2. Thanks a lot guys! I have to admit I was in a complete state about this over the weekend and was even tempted to pay the money just to have this awful bunch of people leave me alone! It's reassuring to know that they need to prove its my debt rather than me disprove it. How do you prove you don't owe money?!
  3. They don't actually know what the debt is for themselves as the company they bought it from hasn't given them that information! The most they can tell me is that the debt is from a retail company (either ARG or AEG). They can't tell me when the debt dates back to just that from May '03 they took it over
  4. Hello! Firstly may I apologise if this isn't the correct place to post this question ... darn newbies I was lucky enough to receive a letter from Mackenzie Hall at the weekend asking me to contact them. Having never received a letter from a debt collector before I did as they asked. What a mistake. Firstly what a bunch of delightful people they are at that company I was told they were chasing a debt I had outstanding and they required payment immediately. When I told themit was nothing to do with me I was basically told I needed to go to the police and get an incident number if I was saying I was a victim of identity theft. I said I didn't want to do this as the debt was nothing to do with me so they told me pay up or go to court. Their opinion is if its not my debt why wouldnt I want to go to the police. They told me on Saturday I had until Wednesday to make a payment. In a blind panic I hung up. Having had a few days to discuss this with the OH I'd calmed now and phoned them on Monday. I advised them firstly the contact on the letter wasn't me, the middle inital was incorrect, they said it was a typo on their part. I'd then said the debt was nothing to do with me and that the previous addresses they had given me on Saturday I hadn't lived in. She asked me what my previous address was which I refused to give her. I asked her if they had a copy of any credit agreement for this debt, they don't because they've bought it from another company. They purchased the debt in May 2003 which (I think) means its statute barred. My only concern is if I go down this route that it's an admission the debt is mine but I am just not paying this and I am worried about the impact on my credit rating. Any advice would be gratefully received!
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