Hi,i noticed this thread and was wondering if anyone could help I have a c/c debt that was sold by mbna to link financial, i was told by mbna for £1000 ( the debt was £6000) I was offered a reduced payment plan by mbna of £2400, if payed in full, which was not limited by time as long as i made the minimum payment of £50 p/m. I missed a payment and the debt was sold. Link have asked me to pay the £6000 in full. My first contact i offered them a reduced amount, as i sold my car and was using the funds to pay several debts, they refused this, and also refused a monthly payment plan unless i 'bought one'. They wanted £500 for this. I spoke to them two days later, once they had my credit file, to see what they could offer. They said if i gave them £4800 they would clear the debt( a profit of £3800 for them) I could not meet this and was told ' i'll do you a favor and offer me a monthly payment plan'. Befor this was offered i quesioned why they were now willing to do this when two days prior i was told they don't do this, i was told 'i don't like your attitude,and withdrew the offer, and told me i would recieve a letter demanding the £6000 or wll be taken to court. Where do i stand? I have tried to come to a agreement, was polite, was never abusive, or used bad language. Please help! Thanks,Morph