Thank you BankFodder for your on going, But I do have a few queries following this correspondence and the phonecall. firstly should any payments be made? A first payment has been promised although we cant affors it as worries were mounting to b oiling point. second how do we get a S.A.R.??? and what is an SAR? Isnt it a disease? Oh no thats SARS!

OK we have read alot about them too late. Lets start at the beginning and go on from there. We first heard from Mackenzie Hall approx. 3weeks ago. Replied, asking what it was regarding as it wasnt made clear or even hinted upon. Then they replied, that there was a debt (which we know of from 5 or 6 years back,) for £1412.75 and demanded an immediate payment and monthly payment thereafter of roughly 40 pcm. We replied this morning stating how we were on benefits and cannot afford to pay said amount on a regular occurance, but that we would pay the initial payment. NO PAYMENT MADE YET! The Citizens Advice Bureau were approached when the debt was first created, they attempted to make contact on many occasions, by both mail and phone to whomever the debt was in the hands of at given time (will have to check with CAB for exact details) with no replies except one refusing offered reduced payments (with actalogue, before Mackenzie Hall Ltds involvement). As contact has been made, and knowledge of debt accepted we are unsure where this leaves us. for the future and as we both (my fiance and I) suffer from Mental Health issues it is extremely concerning. Any help / advice is greatly appreciated. Thank you Cthulhu