Just so you know Missy Allen, MBNA is an American bank, it used to be called Maryland Bank of North America and is owned by Bank of America. When you were told they could only accept a certain amount they mean that to stop your interest and fees they need to get AT LEAST 0.8% of the balance when the agreement is started. You will need to prove you can only afford that with a financial statement. They also work on pro rata basis. eg you have 2 cards one with £1k and one with £2k. in that case they will expect you to be paying twice as much to the £2k card.

Decker, MBNA work very closely with the CCCS and Payplan as they don't charge their customers. But they aren't able to accept as low payments as other companies are. If people are in debt with MBNA and can't pay the normal payments they look at debt management programs. The least they can accept monthly is 0.8% of your balance, which will pay it down over 10 years. If you can't do that then they will freeze the interest and fees, but the account will default after 7 missed payments MBNA will only look at legal action if they believe you have the money to pay, but are unwilling to do so.