lloyds and MBNA- Help needed please!

mollyp

Does anyone have a lloyds credit card collections telephone number or an mbna collections number, where they will discuss full and final over the phone? I Keep getting overseas telephone no's where operators are not helpful and want me to write to them- but I'm on a 7 day time limit (A member of family is settling another debt and wants to do these at same time) to come up with figures, so can't write to them, for them to write back in time!! M&S and Next gave figures over the phone so can't work out why these won't!! Thanks

GeorgeUK

They may be able to do this via email (and email is legally binding in the same way a letter is). It may be worth trying to get hold of them over the phone and getting them to send an agreement via email - make sure it is clear that the email should state that it is a full and final settlement, that you will be absolved from any further liability and that the balance on your credit file will be changed to nil.

If nobody can come up with the numbers, i have found that the best way to contact the departments is to dial the creditcard activation number (as it is usually freephone) and then asking to be put through to the correct department.

You may be able to offer 50% of the amount owed so possibly start negotiating there.

mollyp

;)Thankyou!!