I am in the same boat as you. The NAF has entered an award against me in favour of MBNA.
My sources tell me that the award is not enforceable.
The award has to go through the court system.
You have some options here.
Vacate the award or start a lawsuit against them.
Let me get chat with my counsel & get back to you.
My yahoo IM ID is [email protected]
Give me a buzz.
PS Don't talk to debt collectors. They are on the wrong side of the tracks.