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Mackays huge charges and other lenders?

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Im after some general direction on a couple of issues and would appreciate some advice.


First one is the missus ages ago had a Mackay's card - they kept on adding charges and she ended up paying double what she owed due to them passing the debt to allied international. She agreed a settlement figure(which I advised her not to do) and paid them in full but everyone but her was in pocket.


Allied never wrote to state debt was settled even though she asked them too. Suddenly last month Fredricksons contacted her and have since stated Mackays have asked them to collect a further £300. Allied on the phone state its closed but neither company will talk to each other.


We have sent Allied a prepaid envelope asking for confirmation of the debt being settled and complained but still nothing.In the mean time Fredricksons ring daily. I have sent them the letter today stating not to ring as on the phone they assured me today they weren't harrasing us!!!! yeah ringing at all hours, waking me up as I work nights and upsetting the wife who is now out of work and has a young baby.


Should we write to mackays stating this is in dispute?


Also one general ask - over the years we have had a couple of loans taken against the house and when we paid them off we were stung for charges big time. In fact our mortgage doubled as a consequence. Even though these debts were settled somettime back can we dispute them as to the amount of charges and get money back or payments protection?


Thanks for any help.

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