Help pls, i have got a credit card with MBNA and owe £10500, due to personal reasons i have been on arrangement with them for the last 5 months which is coming to an end. They said they wanted the arrears of £1400 in May and to start paying back monthly which i cannot afford now or ongoing, my Dad offered to lend me the money which we thought he could get £5500 to settle the account, so rang MBNA last week and went through it on the phone, they said it would show as a partial settlement on the account but the account would not default. My Dad can only raise £3500 so i rang them yesterday and they agreed that was ok and they would get forms out, this morning i have a phone call saying it was flagged and i had entered into a legal agreement to pay them the £5500 so they cant accept the £3500 but would review the account and settle for this amount if it went into default at the end of June I am desperate to pay this card off but not affect my credit rating any more than it is Help - what do i do and protect my credit rating ?