Seeking advice for my disastrous debt

DebtFreeWannabe27

RAS said:

Once you have a default, the only thing that can extend the time period your debt is recorded on your credit record is a CCJ.

Paying a sum to your creditors reduces the risk and acknowledges the debt. It's for you to decide whether to set up an arrangement to pay now, or wait for a letter before action, both of which often discourage further legal action. In either case if the debt been assigned or sold, request CCAs.

Thanks for your comment. I might be inclined to get in touch with them to see if they'll accept a £1 token payment just so the debt is acknowledged - I'm hoping that would reduce the likelihood of a CCJ being pursued. Before I do that, my follow up question would be will this impact how quickly or if the debt will be sold on. Do you have any experience of this? 

As an aside, one of my debts is with MBNA credit card. I've missed more than 3 payments on this card and the last letter they sent stated they would stop my ability to spend on the card. They haven't sent any further missed payment letters following this, and I'm starting to wonder whether they will default my account or just go quiet. Is there anything I can do to encourage them to default my account? All my other debts are going through defaults and this is the one that could drag its feet. Obviously, I want them all defaulted asap. TIA