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Having lost my job in March I have been struggling trying to work on a self employed basis and have so far managed to keep all my payments up to date. I had previously transfered 3 larger credit card debts to MBNA. While things have been tight I have been paying the £25 per month minimum payments. I have a credit account paid up in december and a bank loan ending early next year and my intention was to pay the money presently paying these 2 to MBNA. I have recieved my statement this month and my payment is £290, but £285 is interest. I intend ringing Monday to ask their help but having read other peoples experiences am not optimistic. All my other debts are managable and I know if I do a DMP I will have to include all my creditors. Has anyone had any success getting any help from MBNA? Thanks.