I have been contacted by Link Financial concerning a debt from 1994. I have made the mistake of making some payments in past months because I was literally scared that they were going to move to access my earnings. They agreed a payment to £20 and I thought this was manageable but now the payments have been made they are upping the pressue and demanding more. It is a debt from a MBNA credit card - Link have secured a charge on my property - I am now lost and not sure what to do next...any help would br greatly appreciated ! Many thanks in advance. )