I'm another one who is having fun with these muppets - I've been lurking for a while on here and have sent complaints off to OFT etc as detailed in other threads. I also sent MTC a formal complaint which I've heard nothing back from in writing - surprise surprise. I didn't copy it to CFO but I'm now thinking that might be a good idea. What I was wondering though, is Mitigate Trace and Collect (NOT MT Collect, the letter I have is definitely from the full name) registered as part of CFO and does it have a credit licence? So are they allowed to chase me for the debt in the first place, or are they acting illegally? I've started getting phone calls from them in the past couple of days which I've ignored, I also had the "PRE-REMOVAL" text which I ignored (thanks to this forum) and details of those have been passed to OFT etc. (I say "etc" because I can't remember the email addresses I sent the complaint to). Should I also report to OFT etc that I believe Mitigate Trace and Collect are acting illegally because they don't have the required license to chase this debt anyway, or have I missed something and they are now registered with whoever it is they need to be with (is it BCCA?)? Thanks in advance.