Virgin / MBNA CC ..... feel sick...first letter

debtfree2010

Hi Guys,
I am just about to send my '28 day please dont do anything on my account' letter to Virgin explaining i am receiving guidance about my debts etc,
Is the adress i send it to the one on my statements ?
Royal Ave, Widnes, WA88 1AT ?

Also when i am ready to send the ones to Lloyds TSB do i send that to the PO Box address ?

And finally, do i send these recorded delivery ??

I feel phyically sick that i am in this position, but finally, I just cannot afford to pay with interest rates at 29% :eek:

I have posted this in the CC board, but not sure if that was the right place or not, so i posted here too

Leixlip1

Hi. Not sure about your Virgin/MBNA but the address I use for MBNA administered accounts is MBNA Customer Assurance, PO Box 30, Chester Business Park, Chester, CH4 9FD.
LLoyds - Consumer Debt Recovery, Three City Park, The Droveway, Hove, BN3 7AG.
Yes, always send registered (special delivery if you are flush!) post so you have proof of posting/delivery.
Easier said than done, but try not too get too stressed. You are doing something positive about your situation and there's lots of non-judgemental good advice on these boards.

Mrs_Arcanum

Sent token payments (for the start of the DMP) to : -
Virgin Credit Card
Royal Avenue
Widnes
WA88 1AT


Other query reverting to paper statements went to: -

MBNA Credit Card
Chester Business Park
Chester
CH4 9FB

Be sure to enclose a token payment each month. It is vital you show you are willing to pay, even a very small amount helps.

winner12

Hi there
So glad you have started your letters it is daunting at first but remember they will refuse jump up and down and the rest but stick with only pay what you can comfortably afford CAP 1 have driven me nuts over the last 12 months but Im learning to chill and getting there slowly did a big THANK YOU thread on here yesterday everyone is so helpful Im sure they will all help you out too
Good Luck

moneypenny2k

Leixlip1 wrote: »

Hi. Not sure about your Virgin/MBNA but the address I use for MBNA administered accounts is MBNA Customer Assurance, PO Box 30, Chester Business Park, Chester, CH4 9FD.
LLoyds - Consumer Debt Recovery, Three City Park, The Droveway, Hove, BN3 7AG.
Yes, always send registered (special delivery if you are flush!) post so you have proof of posting/delivery.
Easier said than done, but try not too get too stressed. You are doing something positive about your situation and there's lots of non-judgemental good advice on these boards.

Just a point, recorded delivery gives you proof of delivery and is much cheaper.

Cliff1805

I dont really know the answers to any of your questions but just wanted to say hang in there and I hope it all goes well for you.

debtfree2010

Thanks Guys

We have been struggleing for ages and now have come to the point that i just cannot pay the minimum payments in full

I am stressed beyond belief, I even dream about DMP, dodgy characters knocking the door etc etc That is when I can sleep...

No one but my hubby and you guys knows our predicament I am soo ashamed

Anyway, thankyou all

winner12

Hi
Try not to worry in 12 months no one has called at my home had the threats they will
so try not to worry and if they did tell em to go away you will only deal in writing and shut the door
It does get easier I sleep better now so will you
And if your Hubby is with you what more do you want

Chrisblue1962

I think the fact that they are charging 29% interest when the Bank of England Base Rate is 0.5% in nothing short of criminal. .....Haven't seen George Osbourne doing anything about that !!!!

lmclean100

Hi

I was like you, not able to sleep or eat with worry. However, when I sent off my letters and knew I'd started the ball rolling I started to feel better. I had lots of phone calls from MBNA, usually very aggressive women from India but just refuse to answer their security questions, send them the letter about only contacting you by letter, it takes a while to work but threaten to sue them if they continue to call.

After a while I decided to start playing with them when the called and said that I couldn't answer their questions until they gave me their full names, dates of birth and mothers maiden name, they soon stopped calling. Then I phoned CCCS to start my DMP, best thing I've ever done. No phone calls or letters at all after that.

I can sleep at night and eat normally. The only thing that keeps me awake at night now is the blooming owl in the tree in the back garden who has got very talkative.

Remember to keep calm, they can't have what you don't have. You will be debt free, just not yet. As long as you make token payments until you get yourself sorted out, you'll be fine.

If you need to talk there are always people here to listen and offer advice and support, you are not alone (don't mean that in a scary way).

glimmerofhope

Hi
Just wanted to say welcome
I also have been on a DMP with CCCS, before I started I couldn't sleep and was a complete wreck, I eventually broke down to my mum and thought I was the only person in the world in that position. I stumbled upon this site before the start of the DMP and the help and support on this site is amazing. people are not here to judge just to help.
I still have a way to go but I receive no correspondance from my creditors (MBNA & Natwest) other than a letter every 6months reminding me to continue with the agreement.
I have found that keeping a spending record(mine is on excel so can update when surfing this site) and carefully budgeting now comes as second nature.

So please dont worry and release that unlike many other people in this country you have addressed the problem and are working to a debtfree future.:j