Thanks for the info. I'll come back with what happens next. Merry Christmas All!

Hi All Thanks in advance for any help. My Situation: I left the UK in 2010, and used my MBNA CC in Canada, I think I last made a payment near the end of 2010. I have received a letter (dated 28/11/2014), asking 'What are you able to pay?' from 'Robinson Way' debt collectors sent a letter to my sisters address (sent on to me via my sister), stating that I owe them nearly £3150. It is asking me to work with them to come up with a payment plan, or they may allow you to pay a reduced balance over 3 months (which isn't very likely in my current situation). I have dual British & Canadian citizenship. And have no plans to come back to England in the short or medium term, but I might like to come back to live at some point. Question #1 My sister is upset at receiving these letters at her address, can I get them to stop? We're concerned that this is bad for her family. I've not lived there for over 4.5 years now. Question #2 What is my legal stance here? I'm very dubious about giving a debt collector in the UK my Canadian details. Question #3 What should I do next? What should I say to these debt collectors? I'm not sure they would like my desired payment plan. Thanks again