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Advice needed

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First, a bit of background...


I've got an MBNA card which was taken out late 2007, but since I've been made redundant I've been struggling with repayments etc..


So after looking on here I sent them the "hold action on account" template letter and the reply was:


Thank you for your message. For us to assist you with your financial difficulties we require your up to date financial details, including: - Your monthly income (salary, benefits, allowances) - Your monthly expenditure (household costs, utilities, rentals) - Names of all your other creditors and balances owed with each Should you have any further queries please contact us on 0800 389 9001, our specialists are available Monday to Thursday 9am - 9pm, Friday 9am - 6pm and Saturday 9am - 1pm.


So they're looking for an I & E but I've been on the payday loan forums and the usual story is not to give them I & E and I was wondering if it's the same with these guys?


I've CCA'd them (mostly to get them off my back with letters and calls) but not holding out much hope since it's a post April 2007 agreement.


Also, the CCA time limit is due to expire on the 30th but is there any special rules regarding the postal strikes etc???


Any help would be appreciated. :)

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