Sorry if I went off at a bit a tangent. I did report Barclaycard to FOS and it did make a difference to DCA Mercers and when Scotcall called, they sent it back to Barclaycard. Now Barclaycard has passed it to Calder Finance who seem to ignore all this and FOS say they are entitled to continue debt collection 'activities'.

My original point about MBNA was-that it seems this cccs will not take us to court and rely on DCA s to use pester tactics, so if we don't care too much about our credit file we should beef up our defences with regard to DCAs....or....chance it with one of 'those' companies who claim they can sort it all out.I don't know how it will all end up yet, fingers crossed.