I had an account with black horse which i defaulted for £144.74 p/m im now paying £70 to Meritforce. The reason im asking for advise is i have signed up to Experian and its showing each month im paying black horse (which im not) but each month its showing as payment late which is having a negative effect on my score. I have spoken to Black horse and they say Meritforce are a 3rd pary company collecting on their behalf and its nothing to do with them and they couldn't tell me the amount outstanding which is £1076! so no help there. Spoke to Meritforce who said there is noting they can say but they have added £400 to the original debt! is this legal? and how can i stop my credit file from showing as late payments each month? Thank you for any advise given.

I have been looking through a £1646.75 debt i have with meritforce/mckenzie hall the original creditor being black horse, since signing up to Experian i have noticed the debt to be £400 lower on my credit file? i have spoken to Meritforce who said it was an error by Experian, Experian are saying the debt they have on file is correct.. ..Where do i go from here? any advice welcome.

I've been receiving letters and phonecalls (both methods totally unanswered and ignored of course) for the past couple of months from Muck Hall who have been passed a (so-far) unenforceable alleged debt by 1st. Crud. Today I received a brown envelope marked URGENT (who are they trying to kid?) and when I got around to opening it I found it was a nice letter from 'Meritforce', who I hadn't previously heard of, concerning Muck Halls previous failure to collect. It contained all the usual 'we may' do this and 'you must' do that delusions, but having a few minutes to waste I decided to Google them. A few CAG links were amongst the search results, along with links to Muck Hall and Meritforce themselves (they appear to be owned by MH as expected). Well, I had a slightly amusing read of the MH site then went to the Meritforce one ( http://meritforce.co.uk/ if anyone's interested ) After reading some of their drivel I noticed a link on one of the pages for 'Agent Downloads' (I guess he must be their 'Top Gun' to have his own link ) so I followed it. There was a link to download the 'Meritforce Collections Manual' which members might find amusing (complete with typos). Here's the direct link; http://meritforce.co.uk/includes/downloads/MF%20COLLECTIONS%20MANUAL.pdf On the very first page there is a reference to 'DOORSTEP COLLECTION AGENTS' so it must be official, people DO actually collect doorsteps! Cheers Rob MF COLLECTIONS MANUAL.pdf

Reference: ************ Original Creditor: Quick Quid Principal Sum: 1,374.00 FAILURE TO RESPOND - NOTICE Dear ****** Despite previous correspondence you have failed to respond and the above debt remains outstanding. We are not aware of any legitimate reason for non-payment of the account and although we would prefer a mutually acceptable settlement, we will not hesitate to take legal action to resolve this matter. We trust that this will not be necessary and would request that you send your payment by the deadline below. If you do not respond to this letter we will have no option than to arrange our doorstep collectors Meritforce to visit your address and review your ability to repay this debt. To stop this action call: 01563 556 544 immediately to make payment or email us at general@mackenziehall.co.uk. Important: If you are not the named person above please contact us quoting M28128832 to stop any further communication. Oliver Green I Have just recieved this email from Mackenzie Hall and im pretty worried about what to do. The property they may visit is my mothers house. However i do not have the funds to pay the sum in full. What do i do. Help would be much appreciated