hi PEDROSS Thank you, obiviously a misunderstanding on my part and its nice to know our Army grows. And I apologise for my reply,but you can see my anger at someone who trebles your debt while its under a dmp. again thank you.

Hi MRS E BLACKADDER thank you for input it shows how this company debt collection is totally out of control and how the business ethics and integrity lays in the narrow gap between "AMERICAN GANGSTER" and "BACK STREET LOAN SHARK" and by the way my last reply was directed at PEDROSS not you

Hi Please do not tell me not to take it out on MNBA till you and others hear the full story In 2004 after long periods of unemployment and a failed business venture I was in debt to the value of £21000. In march I started a full time job with a reasonable salary for a (62 year old) In April I suffered a Stroke and they discovered I had a heart defect which required high levels of medication to control the company kept me on and I decided to to take out a Payplan DMP with my 9 creditors and 7 agreed to reduced payments and froze interest and charges. MBNA Loans demanded an increase of £22 a month and MBNA credit cards took the payment and then added over double the amount in charges and interest. all requests to stop this from Payplan and myself were totally ignored.(in otherwords MBNA refused to enter into the DMP!!!) Anyway after 2 years of paying two thirds of of my monthly income to my creditors via payplan I paid off over £13000 of my Debt. In 2006 due to my heart condition worsening I had to have a pacemaker fitted.In that same year my company lost major contracts and had to make me redundent.And as I had worked for just less than 2 years there was no redundency payment. And after taking advice from from Payplan I approached all my creditors and made arrangements to pay off my debt with them and obviously these are now DCA's and I am now down to 2 and I owe £700 total. I have had to deal with about 12 different DCA's over the last 5 years and they can be very nasty people!! I have paid off £18000 of £21000 in 5 years under very difficult conditions so please dont tell me not to blame MBNA!!!!! everything bad you read about MBNA is true!!!

Thanks cerberusalert I have taken your advice and downloaded the OFT complaints form. My main concern is for other people who are unaware of this wonderful site and the MBNA Harassment Petition to No 10. Please you internet wizards get the message out on the net about this evil company they have to be stopped!!!

Just to let you that there is no depths MBNA will not sink to! I have a heart defect which requires high levels of medication and a heart pacemaker. MBNA are aware of my condition but are still phoning me up to 5 times a week (52 since the beginning of June) My partner has been answering my calls for me. Last week they phoned and asked for me she told them I was unwell and was in hospital (I was actually in for a heart scan) to day we had two calls asking was I out of hospital yet?! My complaint/dispute is with FOS,which MBNA are aware of. So good people please can you make others aware of the e petiton by Chris Lucas on No 10.com Please do what you can to stop this harassment before this Evil company (*****) someone Please also read Blog Dealing with debt (MBNA dept collection) and also thread on this site (I worked for MBNA)