So - after my mackenzie hall scare today - I did a credit check on myself with Equifax. And came out pretty clean - the odd missed a month - but nothing major or outstanding (in the last six years anyway) and according to them no CCJ's (I don't know any but I always wonder whether there'd be some council tax thing from when i was a student) - if I did have a CCJ would it definitely come up on a credit check?

Loud and clear: DON'T CALL! And wait and see whether they come back to me with more specific information?

I received a letter from mackenzie hall today - basically saying they are attempting to contact this person (me) and asking me to ring them. It doesn't specify what it's in connection with. It's possible I have some outstanding debt (I've been bad in the past at remembering to pay bills) but certainly nothing that clearly springs to mind. Reading through previous posts on mackenzie hall I can't quite decide whether I would be better off ignoring it all together - or whether I should write to them saying yes this is me - can you send me details of what this is in connection with (in case there is a true debt there). Please advise... I gather ringing them is a bad idea. I did in fact try, but couldn't get through, then thought I might just check them out as I didn't particularly like the tone of the letter - so glad i found this site...