I too have had a few letters from MH, for a debt I didn't recognise. I did owe a debt many years ago, but after advice from the CAB I arranged a small payment each month and successfully finsihed paying it off last year. I also took a loan out 3 years ago with a building society, which I finished paying off a couple of months ago. After readin the advice on this forum, I decided to ignore the letters from MH until they sent me actual details of where the debt was from. Since sending me a very threating letter in September, stating a date by which I must pay the debt in full (also in September), I've heard nothing since. I've just succesfully applied for a new loan and new current account, so I'm guessing there's nothing wrong with my credit record. My advice would be to ignore them until they write to you with something concrete.