Hi all i need some help I received a debt collection letter from Wescot this morning for an outstanding debt for an MBNA credit card which I took out in 2005. Granted I lost my job in January 2009 and stopped paying as I could no longer afford and a default was placed on my account on the 16/09/2009 for £7500, my question is what should I do? Never received a default notice and only just received this letter this morning any help would be grateful. Thanks Gaz