Default on arrangement credit card

geeka

Hi everyone,


I would like some advice please.
I got myself in a lot of credit card debt afew years ago, I paid it all off about 3 years ago as I was on an arrangement with CCCS (now Stepchange).
I paid more when I could and less when I couldn't. I had about 10k worth of debt on my mbma account (I had other cards and paid proportionately each month according to the de % debt) , I got down to the last £800 on this card but had to drop my payment and it fell under the min they wanted me to pay so they put a default on my account. I paid the remainder off and cleared all my debt on all my cards!
This is now causing me loads of problems because of the default.
My question is considering I had paid over 90% of the debt off at this point, if I wrote to mbma would they remove the default. I feel I have been penalised. Has anyone ever done this before?
Comments please (be nice!)

[Deleted User]

No, as you defaulted on the account.

But if you feel it should have been applied earlier, you could ask them to look at that.