Hi Guys I used to work for a couple of DCA'S in Glasgow, I know of Paul Mackenzie of MH He broke many rules with one particular company when collecting mortgage debt,he even went to the extent of contacting clients behind the back of the firm that he was working for to try and under cut them, but the clients reported his action to the directors (I use the term in its loosest term possible)of the company that he worked for and the little twerp was sacked on the spot. The use of message/telegrams is strictly verbotten by the FSA, and as far as I'm aware once debt is purchased you lose any rights to civil enforcement via the courts to collect the debt. One last point, it is widely assumed in lending that bad payers refer bad payers and good payers refer yep you guessed it good payers, with this in mind is it any surprise that Paul Mackenzie & troop operate in what is a very grey area.