These people have me living on my nerves.................. I too also got into debt with a credit card. To cut a long story short my marriage fell apart I moved away.................it was our joint debt ......(which I foolishly thought it was being sorted). 8years later just the day after my father died and I was in the midst of arranging his funeral I received a letter from MH I contacted them and low and behold was bullied into paying them £54............extremely stupid I know but my head was all over the place at the time. I have sent them the letter with the £1 postal order in return for any signed paper work that they have but all I received back from them was details of the debt ie with whom, where I lived the date the credit card agreement was made , but I never received a copy of any paper work with my signature from them. Yesterday I received a final demand notice from them to pay in full with in 7 days in the enclosed business reply envelope ( which was not there) or they shall be taking further action against me. I haven't the money to pay in full and I'm truely sick with worry.......please can anybody help me!!!!!!!!!!! What do I do next?