mackenzie hall ?

BETTYBOOP46

i recieved a text from mackenzie hall today saying contact them and a reference number, i looked through some posts on here and not sure what to do i have had debt problems in the past and to be honest dont know what if any debts i have outstanding , i did a search on registry-trust.org.uk as i saw it on here and payed £8 and it came back with 1 unsatisfied judgement in 2010 does this mean this is the only debt i have ? and will that be what they are after ? i suffer with fybromyalgia and it affects your memory so i find it hard to remember things (not an excuse i know ) please help

vax2002

The credit reference agency have just sold your details, you know, the real, updated ones to the debt collectors.
If you feel you may have outstanding debts, a credit search is the last thing you want to be doing.
Where do you think debt collectors get the info from.

BETTYBOOP46

i dont understand ?

nottoolate

registry trust only record ccjs. so you may have other debts besides that.

they dont sell details to debt collectors so god knows what rubbish vax is on about.

BETTYBOOP46

ok so how do i find out what debts i have ? if i do a search does that mean i am admitting to them ?

callyh26

Not all debt is registered with credit files or the same one! I have 26 different creditors for example and only 10 are registered with Experian! Also it can be misleading For my Halifax credit card it says satisfied it isn't its been sold to another company! So worth getting a report from all 3 credit referencing agency's x

callyh26

And you only acknowledge a debt by writing to them or making a payment i think