Hello can anyone help me please it all started with conaught getting in touch with me saying i owed a debt to RBS I didnt dispute it as i did owe them money i started paying £30pm from april 04 and have been paying it ever since. Mackenzie hall then wrote to me oct 06 and said i owed them this debt i informed them that i was paying a SO to conaught for £30pm - they would look into it - didnt hear anything for a while. Have since wrote to me a few times i ignored them after my first encounter with their tactics on the phone! Meritforce have now written may 07 and said i owe them saying they are coming to my property! within 7 days as of yet they have not been! Who actually do i owe this debt to and how can i find out whats going on i cancelled the SO to conaught 2 days ago and if they dont own the debt why have they continued to take my money and how can i get it back? Can someone please advise me as what to do next Please

My husband took out insurance on his car 5th July 07. The car was scrapped just after new year due to head gasket! The total policy was taken out by paying £29.21 deposit and subsequent DD of 10 x £13.19 to Amber Credit January DD was taken from the bank on the 5/2/07. I wrote to Budget on the 11th informing them the vehicle had been scrapped. I also enclosed the Insurance documents and asked for proof of no claims. Received a rely dated 12th informing that the policy was cancelled and asking me for £49.91 for the period of cover already received! I replied dated 18/1/07 asking for a detailed statement of payments and the periods these covered as by my bank records I was in advance having just paid a DD on the 5th and cancelling on the 11th and there were only 4 DD left to pay. Reply received dated 19th again asking for the £49.91.They also informed me that they had passed it to a debt collection agency and that a minimum of £25 charges would be applied! I wrote back dated 24/1/07 reminding them of my letter dated 18/1/07 that I did not feel that I had made an unfair request, if the request was not met I would send copies of all letters to the Financial Service Ombudsman, I also said in my letter that I had not at any time said I would not pay but I wanted to see proof of the payment of cover I had alledgedly had and not paid for. I have received a reply dated 27/01/07 which states that my total policy was £164.05 where that figure came from I dont Know (and as I look at all the documents none of them are the same as in Totals). Thay have also informed me that I now owe £74.91. I have now received a letter 14/02/07 from a debt collection agency for £74.41. In all my years of driving and paying for Insurance by DD have I had to pay when I have cancelled a policy and I know of no-one who has. I will write to the FSO and include all documents and I will also forward a copy to their complaints department. Does anyone have any advice or been in this situation?

What a great site this is! Like all the others I typed in the above in google and found this. Wonder if anyone can help me? I have a debt to RBS for a CC which I have been paying a company called Connaught £30pm by S/O since may 04, I missed a payment in June 06 but have since made 4 payments (which have never been returned) Also I have moved in the past year. MacKenzie Hall wrote to me at my previous previous address, I realised by the little information on the letter that this was the same debt, as I write down every month when I have made a payment and the amount was the same as it would of been in June! I did ring them as I wanted to sort it out (wish i had been on here first though) I did not tell them where I am now living, they asked if I used to live at the said address! I asked if this debt used to be with Connaught the horrible man I spoke to said he didnt know just that they had bought the debt and they wanted their money. The letter states that the debt is for 846.72 but would accept as a gesture of goodwill a reduced settlement payment of 677.38. As i said previously 4 S/O have been taken from my bank and the debt is actually 756.72. I tried explaining this to the horrible little man but he was not listening siad that when I shouted he holds the phone away from his ear and will not listen to what I am saying, yes I admit I was raising my voice but not shouting, only out of frustration that he did not listen to me. Eventuallly I got upset out of frustration especially, when he said 'I am trying to help you'! and that I had to borrow the money from my family or friends or bank, that they wanted it paid, he then changed thread and asked me how much I could raise because I had to show willing! told me to stop being upset etc etc He was really not very nice. I asked him how he was trying to help me by threatning me, and how else could I show willing other than the fact that I have paid back £30pm for the last 29 months and have missed one payment and since that payment 4 of my payments had been accepted! Which someone correct me if I am wrong but doesnt that mean that I have an agreement with them - even if accepted by default? These payments are being paid into the orignial acc given to me by connaught. Can anyone advise me in what my next move should be, they do not call me on the phone as they do not have my no. I would like to write to them but would like some pointers as to what to say. Thank you