Thanks for your help I asked for the settlement offer in writing and they sent it through this morning, they say it will be marked as partial settlement with licensed credit reference agencies and MBNA or DCRL will not pursue the matter further, I take it that doesn't stop them selling the remainder of the debt to someone else to chase as you have mentioned above. You need to watch every single word from these guys. I've seen SAR and CCA mentioned a lot I believe there are pre set forms for that, I will troll through the forum and find them.

I really need a quick answer or suggestion on this one. I have read many of these cases on this forum and they are all targeted at certain people, bits make sense but I really needed something targeted for me, I am far from stupid but bits of information here and there tend to get a bit confusing, I apologise if I am making you repeat yourselves. I owe MBNA £21,000 much of this is interest, I haven't used or been able to use the card since it went over my credit limit of £18,000 they have given me lots of options of paying certain amounts which must be paid in a certain amount of time or fireworks will happen, most of the time I have ignored them, I currently do not have the finances and MBNA know it but they are trying all sorts of things im sure most you are aware of it. They sent me the land registry details of my house, I spoke to the CCCS and they told me what I had guessed, they are sending me stuff to frighten me into raiding banks or mugging pensioners to get the money to pay their debt, I told MBNA thanks for the information but I already know where I live, they were struggling to imply but not say that they can come and get my house. They gave me the option to pay 50% of the debt which was a good offer as far as I was concerned I would end up paying what I had spent and let off their interest but I never had the cash anyway so it was out of the question. They have tried to get me to take out secured loans or transfer the account to other credit cards that they new I had (somehow) and they would let me off the 50% and mark my credit report partial settlement, I have checked and the cards wouldn't let me do it anyway. I have recently had a new card sent out with a £9,000 credit limit because a bank has transferred the card to another bank, I am not sure if I can use the credit but I would assume I can, I rang MBNA aka (Debt Clear Recoveries and Investigations Ltd) and said I may be able to get £7,000 to clear the debt would they accept it as settlement for the debt, they said they would accept £7,662 or thereabouts and mark my debt partial settlement. I wont be able to make the repayments on the new card but at least the debt would be reduced to just under £8,000 where the process starts again. I really want to get this sorted soon I have applied to join the Police Force (Interview next week) and financial issues was mentioned on the security clearance form, if I get the job I could start to clear my other debts.

I took someone to small claims court and won, paid the courts fee up front that was passed onto the defendant, had the warrant issued and a bailiff was sent around, the bailiff was unsuccessful in collecting the payment so I paid the courts fee, the bailiffs fee and got nothing back. If they are being difficult there is no way to get your cash back, the small claims system is a joke, they get a CCJ if you know the exact persons name or the company name but you don't get your money.