Thanks in advance for any help.
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.
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.
What is my legal stance here? I'm very dubious about giving a debt collector in the UK my Canadian details.
What should I do next? What should I say to these debt collectors? I'm not sure they would like my desired payment plan.