Beyond dispair with MBNA

[DaveP]

My wife and I both have credit cards with MBNA unfortunately, my wife has had a problem for some time paying off her card due to our changed circumstances.

We're now in a position where the interest is all we can afford to pay off, her account is stopped and they are refusing to help us at all to reduce our payments so that we can at least keep slightly in credit.

This means that we will default again, be charged again and end up getting further and further into debt.

 

What amazes me is how the people on the "helpdesk" can be so unhelpful.

We have asked that the interest rate is ruduced, but because the account is blocked due to a missed payment 4 months ago they won't reduce the interest. So now that the account has been in credit for 3 months, we have asked that the block is removed from the account so that we can have the interest reduced, however they are refusing to unblock the account.

 

It seems that they are determined to keep us in the red so that we will be paying them back until we die.

Shylock would have been easier to deal with and probably more sympathetic than these (edit). That's exactly what I think of them as, (edit). They're all nicey nicey when you're in credit and are ever so nice to increase your spending limited without you even asking, but as soon as something happens to change your circumstances and you are unable to make payments they show their real colours.

I'm all for paying back what I owe, that's right and fair, but for them to do everything in their power to prevent me from doing that is unjust.

Sorry for the rant, but my wife is in tears again after coming off the phone to them and I need to get this off my chest.

I'm hoping that somehwere on here I can find someone who has had experience with these people who can help us, for a start, to get them to reduce our interest so that we can meet our repayments without going over our limit again.

Once we can get things under control again, then I going for the jugular and claiming back their unlawful charges. Right now I can see no end it it all.

 

DaveP

 

[MODERATED: Please do not post libelous comments, thanks]

[mechs]

Hi Dave and welcome, If you read the FAQs and the step by step instructions all will be clear as what to do and how to do it.

 

Spend a couple of days in the MBNA forum and read a few threads just to gain a bit of info as to what you will come up against and how to combat it, then start your own thread there so you can keep track of it easier than in here, dont be afraid to ask questions in there

 

Good luck

[DaveP]

Thanks Mechs,

I've already started with the FAQ's.

My immediate concern is to get them off our backs so that we have time to think clearly.

I've posted this in the MBNA section now. It did start it as a hello, but it ended up being a bit of a rant.

 

DaveP

 

Hi Dave and welcome, If you read the FAQs and the step by step instructions all will be clear as what to do and how to do it.

 

Spend a couple of days in the MBNA forum and read a few threads just to gain a bit of info as to what you will come up against and how to combat it, then start your own thread there so you can keep track of it easier than in here, dont be afraid to ask questions in there

 

Good luck

[DaveP]

Ooops,

My first post and I'm in trouble. Sorry, I tend to speak my mind.

 

DaveP

[pmhread]

Ooops,

My first post and I'm in trouble. Sorry, I tend to speak my mind.

 

DaveP

 

hahaha... that's ok... just don't do it again or we'll be round with the boys