Thanks guys i'll give it a try .

I received a letter from those scumbags last year saying the same . The alleged debt of £654 was " owed " to someone I had never heard of and it was taken out in march 2003 . I am now being pursued by some mob called Arvato Finance Services who are " acting on Mackenzie Hall's behalf " . Getting ****ed off . I stay in Kilmarnock and know where their office is . Thinking of paying them a visit face to face . Anyone heard of this Arvato outfit ?