Help!!!!!!!!!!!!!!!!!!!!!!!!!!

A.T.R.1

i have an account with mbna,i also have three other creditors,to whom ive made monthly payments of the same sum of money,i was only paying mbna a minimum payment.anyway to cut a long story short,mbna want me to tell my other creditors that im going to pay them less,so i can pay mbna more.mbna have also said they might put an attachment to my earnings.can they do that?my other creditors are almost finished,well in a few months anyway.this is only because i have kept with the same sum of money for the past couple of years to get it all paid off.
mbna are making me feel ill.
has anyone got any advice.thank you

Xbigman

MBNA are one of several companies who are very pushy and will tell you almost anything to get you to pay. Before they can put an attachement of earnings order on you they would have to go down a long route of court action that can be defended/delayed at every stage. This is an empty threat and they know it. Especially if you are a few months from paying off other creditors and plan to increase their payments then.

However, they may have a point in your case. I read from your post that you have prioritized other creditors. It is more normal to give a pro rata payment and it could be this that MBNA want.
If you have agreements with other creditors in place about to finish then just keep paying MBNA whatever you normally do and keep promising more later. If they do go for court action it will be a CCJ and by the time it goes through you would hopefully have paid off your other debts anyway.
Regards




X

fatbelly

How much do you owe in total?

System

Totally agree with xbigman.

One thing - are you dealing with MBNA's Debt Management Team or some other dept. (Or even their hideous Credit Solutions Ltd?).

Views on MBNA seem to differ wildly - in my present situation of making just £1 token payments, they're currently being very understanding.

In my situation, I found that repeating the same story every time I spoke to them eventually got the message thru!

If you feel you're intimidated, could you not ask that all future discussion about your debt be conducted in writing?

Regards
Dave