*Bump* Any feedback on this please? The original MBNA credit card debt was sold to DLC who then proceeded to apply for an interim charging order, which I neglected to defend myself against. They've had a charging order against my property since 2004. All feedback gratefully received.

In a nutshell, yes. That was in 2004 and they've chased occasionally since then. I now have the offer of a 4k loan from my dad so I want to see if they'll accept that as an ex - gratia payment. Total debt is 13k. Thanks for your responses.

Hello, I know a lot's already been posted on this subject but I'm being cautious and seeking some feedback from seasoned members. The above - named have a 2nd charge on my property, originating from an MBNA card balance that I defaulted on back in 2003 or 2004. I finally spoke to someone at dlc and they indicated that although they didn't settle on secured loans that I could still make an offer and they'd "pass it upstairs" for consideration. Below is a verbatim copy & paste of the letter I'm about to send with all personal details omitted. My questions for the forum users: - Will someone give my letter a once - over and give me some feedback, please. - Is this communication better off coming from my father, along with the cheque enclosed, seeing as he's the one lending me the money? All feedback and advice gratefully received. Thanks.