My 77 year old mum has received a demand from Wescot Credit Services for £119.88 rising to £199.88 if she doesn't pay by 20th Jan 09. Mum has no idea what this is for. Client is MGT Ltd. I've already seen a post involving MGT Ltd, media and adult channels!!! - not for my dear old mum methinks. Anyway I've posted a letter requesting original agreement with a £1 postal order. So far no response. I've done the same with a MacKenzie Hall demand and they have returned the money with a letter saying no further action at the moment. If client cannot provide proof within 40 days the matter is closed. If I can give anyone viewing this a piece of advice. Don't be a victim. My mum has been worried sick by all of this and so have I on her behalf. But we're making progress and I've seen a great weight lifted from her knowing that you can stand up to these companies. With a little advice and guidance you can beat the bullying tactics and stand your corner

Dear All, I've just subscribed to the forum as I'm dealing with some debts on behalf of my 77 year-old mother. She received a demand from MacKenzie Hall and was being harassed by phone calls from them demanding over £2600. I consulted this forum and sent a standard letter requesting a copy of the original agreement. They have returned the £1 postal order with a letter saying that no further action will be taken and, if they do not receive proof from their client within 40 days, the matter is closed. Mum nearly agreed to pay them £60 a month...something she can ill-afford to do. I've sent the same request letter to Wescot Credit Service for another debt she knows nothing about and am awaiting a response. This may not be over but it feels good being proactive on behalf of my mum. Will keep you posted on what happens