Hi joemay, thanks for replying How do I find out if the debt is enforcable? and what is a CCA? This is all very new to me... :S

Hi, Hoping someone can give me a bit of advice?? Had a debt with MBNA that has now been sold on to Link Financial. Value is less than a grand. In phone calls, I have asked whether I can start paying the balance off monthly, I have submitted an Income and Expenses form with all my incomings and outgoings and what I have left at the end of every month (not a lot) and they have said that they are unable to facilitate this? They then asked whether I could raise the lump sum from friends or family members, to which I said no as that is not an option for me. They then said that really my only other option is to take out a loan to pay the balance, something I do not want to do, and due to my somewhat poor credit history something that would be difficult for me to achieve anyway. I have told them this, and I have now been told that my account will now be passed on to one of the managers for further action, who apparently probably won’t look too kindly on my situation as I “haven’t explored EVERY possible option to raise the lump sum” by not taking out a loan. I’m pretty sure according to OFT guidelines they shouldn’t be pushing me to take out more credit. Why will they not let me pay the balance monthly? And what do they mean by “further action”?! I’m quite worried, as I really don’t want this to escalate. If anyone has any advice at all it would be really greatly appreciated J Plumpy x