Credit card debt and DCA letters

hi, i have had an M&S card with outstanding balance
since I stopped paying back about 6 years and I have been unable to pay it back due to ongoing financial difficulties.

I ahve been contacted by DCAs one after the other and lately a company called Credit Security has been on my nerves with threatning letters/calls.

Due to this debt, I have got bad credit rating for a while now.
I had once sent a CCA request to M&S and they sent me the agreement.
I then sent them a SAR in return to which they sent me a form to sign which I never did.

I am now thinking to somehow get this debt off my shoulder but although I have work I am still struggling with my finances every month and go overdraft often.

I am thinking to borrow a small amount off my family/friends and get the DCA/M&S to agree on a full and final figure
to settle the debt but I do not want to speak to the DCA on phone as they sound like thugs.

I need some guidance on how to approach this and how much to offer etc. my total debt on the card is ?5000+. Many thanks

Source: http://www.consumeractiongroup.co.uk/forum/showthread.php?332516-Credit-card-debt-and-DCA-letters&goto=newpost

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