Thanks for the reply. I currently board and this property isn't mine, but the people I live with have said if someone does turn up, they'll 'play dumb' so to speak regarding me living here. Just to clarify though, these people can't take me to court if I haven't confirmed my living here nor acknowledged the debt?

Hi all, I received a letter from Mackenzie Hall regarding an old debt with Welcome Finance, which will be statute barred in 3 months. DLC were initially chasing for this debt (I say 'chasing', they sent one letter the other month!), and now it looks that they've passed it over to Mackenzie Hall. I haven't acknowledged this debt, nor made any contact with either DLC or Mackenzie Hall so from their side, they haven't confirmed it's me at this address. The letter received today states that payment must be lodged in 72 hours, or they will sanction doorstep collection (Meritforce) or advise to start court proceedings against me. Am I right in thinking that they cannot actually visit this property unless they know for sure it's me, and also that I've made arrangements for any such visit? Having read up on Mackenzie Hall, it does seem unlikely I'll get a visit at this stage, but just wondering if anyone can give me some advice?

Hi, The letter does refer to my previous loan with provident (it has some sort of reference number) and states I owe £495 but they can reduce this to £425 if I sign a new agreement with Greenwood under the fresh start initiative. From reading up on these boards, it seems they are sending a number of these out (many to statute barred loans) and I also read they can't turn up without making an appointment with me first? I understand the initial agreement I signed may have given them authorisation for doorstep collection at my previous property, but surely this doesn't stretch to any future properties? Not too sure how to handle this one though, I'm not one to 'run away' from my debts, however with this one, given the circumstances, I don't really want anything to do with these people...

Hi all, I took out a personal loan two years ago for my sister who had money problems at the time. Foolishly, it was in my name and she let me down. I moved address and left the loan as it was because I wasn't in a position to pay it off, nor did I feel it fair I should of paid it off for her. I received a letter today from Greenwood Personal Finance, stating that they can help me with this 'fresh start' deal. The loan was initially with Provident, but I believe they are the same company. I do not have a copy of the CCA, nor have I ever made contact with them in 2 years. Obviously, this debt is not statute barred, and I haven't contacted them re: this letter. Just wondering whether they will actually visit my current home in the next few days as stated on the letter? Or is this a case of them 'phishing' to confirm where I am? It's just that I am staying with friends and I wouldn't want this to come to their door. Any advice as to what I shall do next would be appreciated.