Thanks dx, figured that one out when I read some other forums they are dumped, just have to wrest all my creditors back to contacting me and forgetting about Kensington, have ordered a CRA file from one company, just have to go through the proceedure with the other 2 now to get a full and in depth idea of who has what info and whether it is correct or not! Wish I had never gone to kensington in the first place, but a family member used them and all was good for them.

I have been dealing with all my creditors through Kensington FM stupid I know, as it would appear that they have not been doing what they are being paid £40 a month to do, a lot of my creditors are still contacting me asking for information, saying they have not heard from KFM and I started this all back in April!! I have now had numerous letters all saying they have been trying to contact me, which they haven't and to call them, which I haven't. Anytime someone DOES call me I answer and they want to know my account details, which I refuse to give out over the phone to someone who cannot verify who THEY are, so why should I give them all my personal info, DOB, address, acct info etc when they won't give me any info. It all seems a bit one sided to me!

/QUOTE] I just had this same letter, same address but listed as Cougar Financial Services. How can they be allowed to operate under different names? And how can they threaten to come to my home and 'collect the above debt'