Hi gerrard, As you may have read at the beginning of this thread, I received a mailing from MH asking me to contact them. This I ignored and have heard nothing further from them. I did check my credit record and I have nothing outstanding although I do have a CCJ against me. However, I'm of firm belief that this company just fishes for cases and pounces on people and scares them into payments that they do not have to make or could get dropped with a little bit of effort. i'd suggest making sure you have nothing outstanding before deciding what to do next hope all goes well, eddy3oy

Well that's the thing, I have no intention of claiming should anything happen as I'm covered by other policies. Yesterday I sent off a letter asking them to confirm my PPI premium and whther they adjusted my rate as a consequense of me taking out the policy with the loan. Currently they are offering a 20% discount of you take out a loan but I don't think this applied when my arrangement went through. Looking at the papaerwork they make an extra £10,000 approx from this policy

Hi, Last year I took out a loan with Northern Rock and along with the loan I took out their payment protection insurance. Once the paperwork came through I realised that work, as well as some other policies covered me for the money and therefore their policy wasn't required. On trying to cancel the policy though I was told that as the cheque had already been issued I would have to pay back the total sum (£32,000 - the loan was for £25,000) and then they would re-calculate my interest payments. Obviously I was unable to payback £7,000 on top of the original loan as I had already paid some other loans off with the cash. However, it's now a year later and I'm beginning to think that this was slightly under hand of them. As far as I am aware the loan and the PPI are two seperate agreements? Could someone please let me know if I'm entitled to cancel this policy without Northern Rock asking me to immediately pay back any outstanding sum. The monthly cost of the PPI is around the £90 per month mark and as I'm sure you appreciate, I'd rather be putting that money somewhere else. Thanks in advance for your help and I look forward to any advice given. Regards, Ed

Yes there is and I've checked it out. It does appear to be a legitimate company. In fact that was the first thing I did, after checking out the two web addresses mentioned in the letter - Index of / and j2s.co.uk and after Google-ing I found this forum

Thanks Zooman, As of yet though there has been no mention or reference of any debt at all. The letter just states that they would like to contact me on 'a personal matter'. Is it safe to ignore this and wait for them to actually mention a specific debt? The CCJ judgement would have been put in place around 1998/99 Thanks, Ed

Hi everyone, I too have just recived a letter from Mackenzie Hall stating that they are trying to contact me on 'a personal matter'. There is no mention of any debt in the letter at all. After reading the rest of these posts is it safe to assume that this is just a fishing exercise on their part and can be safely ignored? Like some people here, I did have a loan and credit card that i walked away from around 7 years ago which resulted in a CCJ but since then no correspondance has been entered into with the repective banks or credit card company. I have sent off for my credit file just to check that there isn't anything on there that I'm not aware of. It seems that I might be reciving a small red postcard next, and unless any figure or debt is mentioned i shall ignore that as well. I am planning to send the letter posted earlier in this tread should they continue and/or mention a debt or court action but untill then I'm planning to stay quiet. Would anyone have any advise as to whether this is the best course of action? I'm guessing that alot of other people have had similar issues with this company and I'd be interested to hear what happend in their case. Thanks in advance for your help. Regards, Ed