Hi all I received the red card and the bank mandate a couple of months ago and just ignored them. Letter I received this morning states a reduced settlement offer but if i dont contact them they threatened bailiffs/bankrupcy/ttachement of earnings etc. I am going to ignore this. These debts were taken out in my old married name and I reverted back to my maiden name 4 years ago. Can they prove what name I used to be. Would they be able to get access to that information??? Please help. Thanks poz

Can anyone help me? I recently received a postcard from Mackenzie Hall asking me to contact them. I ignored it and this morning I have received a bank mandate with them offering me to pay back the money monthly over 80 months. I had a debt which I ran away from 4 years ago due to a bad divorce and theyve caught up with me. Im really scared they will come knocking on my door and my new partner will find out. I dont know what to do as I have read all the other posts on here for Mackenzie Hall and I dont want to contact them. Please can someone advise me what to do??? I cant really afford to pay back the money yet but dont want to get bailiffs calling etc.