Fair point; thanks again!

Have printed off the letter, will post recorded later. Thanks again, will update any news when I get a response.

Does it matter if the account has defaulted?

Ok, I will - thanks for the guidance.

At a guess, 5 years or so. Yes

Ok, I won't speak to them, thank you. This is my only debt, the only other thing is relating to a chargeback involving Barclays Bank, which the Ombudsman 'investigated' and surprisingly found in Barclays favour (even though Barclays previously admitted fault). But that relates to an old current account. Thanks for your help

January or February, to MBNA.

Earlier this year, I was suffering with mental health issues, leading to a compulsive gambling addiction. I ended up divorced, on anti-depressants, and in debt on an MBNA credit card. I explained this to MBNA, who gave me 'breathing space', and then I never heard anything more for a couple of months. During this time, I had to leave the marital home, I lost my job (subsequently taking lower paid employment), and have spent time trying to rebuild my life, and physical and mental health. Last week, I received a letter from Moorcroft saying they're dealing with the MBNA debt, and I now owe them the full amount (around £5700). I admit the debt on my CC was mine, but I was unable to pay MBNA due to the situation I was in. I'd be grateful for advice on how to deal with the issue, whether to speak with Moorcroft, or deal directly with MBNA? Many thanks