Hi, I guess by now you have sorted out this problem with MTCollect. At least you borrowed some cash from them. My In-Laws have had threatening letters from MTCollect, stating that the Balliffs could be send round to recover a debt, a debt which they know nothing about. They are in their 80's so haven't had a job for quite a few years, so wouldn't qualify for a loan . The only thing these "people" have got right, is the Sir name, there is no-one living at their address with the same first name as the person who took out the loan, and they have no relative with the same first name, but they have received several letters demanding payment. There was no address or phone no. on the letter, just a PO Box no. I called them on behalf of my In-Laws. The "Bimbo" that answered the phone, couldn't seem to grasp the fact that letters threatening to send in the Balliffs would worry elderly people. Her answer was "Well, if it ain't them, they haven't anything to worry about, have they?" I pointed out that they have a duty of care, to ensure they have contacted the correct person, to which she answered "Yah well, we will if it ain't them." Don't you just love how professional these people are??? In case anyone else needs to know, their phone No. is 01312141101, and their address is the same as Capital Finance One Ltd. and that is Copper House, 88, Snakes Lane East (very appropriate), Woodford Green, Essex, IG8 7HX