Scandalous

Any

Neillgb wrote: »

With regard to MBNA I would have suggested you call them and ask nicely to have the rate reduced, many others have on this website and been sucessful
, however because of your payment record I doubt you will be successful.

The other loan issues are entirely your fault. Your payment record is awful. You are therefore a bad risk.

With regard to your pay I am pleased your pay has been frozen because I want to pay less tax. Unless you are a nurse you are probably overpaid anyway. If you are unhappy with your pay I suggest you look elsewhere.

This reply is absolutely SPOT ON!!
Though - from the way the OP writes his posts, do you seriously think that he will have any success on the phone to MBNA? With this attitude?

The problem of the OP is, that he thinks he is right and world owes him something. If someone elses opinion is different, it will always cause an overheated argument like this.

I have been in a job that didn't give me payrise for 4 years too - and it was only my fault I stayed for 4 years - if you don't like it, GO AND FIND A NEW ONE! There is no law to give you a payrise. Even if everyone else is getting one (would that be the case). Payrise is usually about DESERVING ONE. And if you believe you deserve one, you have to do something about it.