Getting tired of the 8.30am daily calls!! Told the rather abrupt lady on the phone that I was communicating in writing with MBNA, she said that they (RMA) were now dealing with it, I asked for a correspondence address so that I could write to them as well. She responded by telling me that she would update my records to say that 'the customer was too tired to bother discussing his account' !! I said I would be writing to request 'no more calls' - she said that they (RMA) wouldn't be wasting any more time by writing to me. Does anyone know who these RMA people are? Or a correspondence address? Maybe I should ignore them & just write to MBNA again and also request CCA?

I spoke to MBNA and asked them for the address I needed to send a letter to regarding my current situation. Maybe I should send loads of copies to every address I can find haha. Anyway gonna follow up with the CCA request on Monday.

address I have is MBNA - EBL Customer assistance PO Box 30 Chester Ch4 9fd

i have used the letter template off national debt website. short and to the point. i dont go into the whys and wheres. just - seeking advice, please hold action, interest and charges for 28 days. do you think i should say anything else?

over the phone back in 2005. not sure if i signed anything or not

They sent me a new card when the old one expired

Just sitting down to write & send an initial letter to MBNA. Looking through all my credit card statements....the number of my account with them seems to have changed at least once since I got the card back in April 2005. Is this normal?

Hi Guys Only just got back in from work. Thanks for the support. I think I'm goin to send a letter asking them to lay off for 29 days as I'm taking advise on my finances. Is this the right 'first action' to take?

Thanks Hopeful1

3 cheers for ouch123 !!! good luck. Those MBNA bxxxxds have been charging me 34% no wonder I can't pay them

Hi All Have an Abbey/MBNA card, outstnading balance £15800, have been making minimum payment monthly for 2 years. My circumstances have changed dramatically, lost business and income has been halved. I am in arrears with MBNA for 1 month, I called them to say that I can't pay the minimum and will be contacting them to discuss in writing. They then told me that the interest was now 34%!! How do I go about dealing with this? Not sure where to start with regards to communicating with them. Have seen various letter templates to ask for 'no action for 28 days' etc but not sure what I should do first please help:(

Hello