Debt collection letter, but no idea of debt!!

[CockBollocks]

I have had two threatening letters re a debt of £5000 that i know nothing of!

I have checked my credit report and it does not appear on there. What should I do?

Could bailiffs turn up when I know nothing of the debt?

Scam maybe? I don't think it can be legitimate if it isn't on your credit report!

Bit more info needed. What sort of debt is it? Have you ever had an account with the people who claim you owe them money?

What company is it?

if you have no £5k debt and nothing on your credit file than its either incredibly incredibly old debt, or, and this is much more likely a mis-trace and they are sending out the letter as you have the same name as the person the debt belongs to.

Have you googled the company that sent it or their phone number - lots of websites out there that should show you if it's commonly linked to a scam.

Just phone them and tell them that the debt is not yours and remove you from their records

It is likey to be a debt of someone who has the same name and similar date of birth

My mum had this, but it was only for a few hundred pounds. A total scam - they obviously hoped that they would scare people enough into just panic-paying. The debt was for landline phone services when there was no landline present so she knew straight away it wasn't real.

A 'debt' of thousands seems much more likely to be a case of mistaken identity.

What does the debt company say when you speak to them? I've had this and it took a few calls and a letter to clear it up.

is it mackenzie hall? - if so chances are debt is not yours. If so you can ignore.

Ahhh it is Mackenzie Hall - I was a little scared to contact them as I have had dealings before with a collection agency & their tactics.

Looked on the National Debt Website instead

Thanks

If its MH it will be a mis trace. They are chancing you might be the right person and call in.