Hiya- I have an outstanding debt of 6k which was with MBNA and is now with AVANT card- since the takeover I have not contracted myself to Avant card by making any payments- prior to the take over I had numerous dealings with MBNA and had agreed a monthly payment. Since the take over I heard nothing from Avant card until August of this year- they have tried to contact me on a number of occasions and I have not taken their calls as I am of the thinking that if I talk to them I am contracting myself to them.
I received a letter from them today with the usual jargon that I have to start making repayments or the debt will be sold to a third party.
My question is this; should I contact them ( in doing so I am contracting myself to them) or do I just ignore them as I have been doing. If I do contact them I would be insisting that they freeze the interest and I would only pay what is affordable by my terms and not theirs.
I know that my credit rating is pretty much banjaxed anyway because of this.
I should also point out that in my dealings with MBNA I requested to them that the card should be blocked which it is so the card is inactive.
Any advice would be appreciated.