MBNA still suck but.......

lou_lou_skinty_poos

hi everybody ive been on my dmp with payplan since march but the debt didnt seem to be going down atal thanks to the interest and charges from mbna etc mbna being the worst (ive paid them £360 and theyve took that and increased my balance by another £500!!!!!:eek: ) today i had a letter saying mbna were stopping the interest and charges and accepting my reduced offer of payment (wahooo) anyway i just wanted to say to any1 on a dmp it does work eventually and theres a little bit of light at the end of the tunnel

Finally my debts will start to go down :T

SunderlandBlackCat

Congratulations. It must be a load off your mind.

livinginhope

That's great news Lou Lou :j
I have to say that you hear terrible things about MBNA,but they were the first with us to stop interest and charges,their call tactics are disgusting though :mad:

gravitytolls

I loathe MBNA with a passion. Despite letter after letter, with cheque payments enclosed, and repeated income/expenditures, they continue to harass us. 2 weeks ago, I was told if I paid £25, and set a DD for this amount, they would freeze interest and charges. I paid the money, and told them I would contact them within the month, as I didn't know if I could afford to commit to this mthly until December, when the SSP ends, and the Incapacity begins.

Yesterday I received a letter stating that I had promised to pay £20, and have broken my agreement. Yet htis is all fabrication.

DH owed them less than £600, and wrote etc. They call weekly on the home phone and mobile, despite knowing the full situation. Last week, he went into hospital, and despite knowing thsi, they continue to call each evening to ask if he's home yet.

They are the absolutel worst, and I the sleeplessness, can't eat, and constant tears and palpitations are so much a part of my life, that I sometimes feel I just can't face another day.

joolz43

In the end MBNA will not prove to have been the worst. For me that award will probably go to HSBC!

moozie_2

Good news, well done for persevering! :T

rog2

joolz43 wrote:

In the end MBNA will not prove to have been the worst. For me that award will probably go to HSBC!

I rank them both as equals :mad: :mad:

lou_lou_skinty_poos

gravitytolls wrote:

I loathe MBNA with a passion. Despite letter after letter, with cheque payments enclosed, and repeated income/expenditures, they continue to harass us. 2 weeks ago, I was told if I paid £25, and set a DD for this amount, they would freeze interest and charges. I paid the money, and told them I would contact them within the month, as I didn't know if I could afford to commit to this mthly until December, when the SSP ends, and the Incapacity begins.

Yesterday I received a letter stating that I had promised to pay £20, and have broken my agreement. Yet htis is all fabrication.

DH owed them less than £600, and wrote etc. They call weekly on the home phone and mobile, despite knowing the full situation. Last week, he went into hospital, and despite knowing thsi, they continue to call each evening to ask if he's home yet.

They are the absolutel worst, and I the sleeplessness, can't eat, and constant tears and palpitations are so much a part of my life, that I sometimes feel I just can't face another day.

big hugs to you mbna are horrible they rang my house constantly in the end i told them to take my home phone number off the system and they only ring my mobile now if atall when ure husband is feeling better get him to do the same or send them a letter saying u will only communicate in writing this will ease the stress good luck to you and your husband i hope everything gets better for you soon :kisses3:

Zulu_Dawn

gravitytolls wrote:

I loathe MBNA with a passion. Despite letter after letter, with cheque payments enclosed, and repeated income/expenditures, they continue to harass us. 2 weeks ago, I was told if I paid £25, and set a DD for this amount, they would freeze interest and charges. I paid the money, and told them I would contact them within the month, as I didn't know if I could afford to commit to this mthly until December, when the SSP ends, and the Incapacity begins.

Yesterday I received a letter stating that I had promised to pay £20, and have broken my agreement. Yet htis is all fabrication.

DH owed them less than £600, and wrote etc. They call weekly on the home phone and mobile, despite knowing the full situation. Last week, he went into hospital, and despite knowing thsi, they continue to call each evening to ask if he's home yet.

They are the absolutel worst, and I the sleeplessness, can't eat, and constant tears and palpitations are so much a part of my life, that I sometimes feel I just can't face another day.

May be I'm missing thep oint but this sounds like harassment. Can you not (a) report them for this behavious and/or (b) instruct them that you will not deal with them over the phone and that they must either write or e-mail.

There is some good advice on this from the charities listed at the top of the page.


ZD