I received a letter this morning from Moorcroft telling me they are handling my Vanquis debt. Iíve buried my head in the sand and have quite a few debts. Old ones mainly that arenít statute barred yet but this is a recent one. I want to get my finances in order but donít know what I am to do about this one.

Do do I need to send Moorcroft the CCA letter as a first move?