Thank you for all your replies they have been most helpful and reassuring.

The card dates back to 2001 when it wasnt called Mint but RBS Advanta.

The DCA is Fredrickson International Ltd.

I will do a CCA request as advised.

Thank you all again I really do appreciate the help:)

Roger

Hi

Thanks for your quick response!

The default date was June 08, I made some payments to one Agency, who seem to have passed it on to another.

they did not inform me of this, it just came out of the blue!

Rodger

I have received a letter from a debt collection agency relating to a credit card debt. (Mint RBS)

They are demanding payment in full within 7 days, or they will issue court proceedings.

I am not in a position to pay the amount in full in one go.

What should I do, can anyone advise me please?

Thanks

Roger