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MBNA Help!


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Hi folks. Have read lots of threads but still not sure how to proceed at this early stage.


Figures are approx but will confirm ASAP.


Mother has card with MBNA, £3.8k limit.

Paid on time for 2 or 3 years, but then missed a payment.

Has been trying to juggle for the last 4 months, paid £600 or £700 in charges, but still ended up around £4100 so well over the limit.

Balance going p despite throwing money at it.

Defaulted one month ago as it's a losing battle.

Lots of harrasment. She has tried to negotiate but no movement whatsoever from them.

Genuinely limited financial means.


Just wondering what are our options in terms of getting them to freeze the acount, repay some charges or accept full & final (gift from me.)


She is genuinely happy to pay if they meet her halfway, but this is taking the proverbial now so we would also look at the valid CCA route if that could lead to a swift conclusion.


She owns her own home and previous letter threatens a charging order which is concerning.


Any info appreciated re what information we should request. Assume it's a CCA and statement history of account?

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How old is the card?


CCA first to see if they have an enforceable agreement, then go from there.


DON'T speak to them on the phone under any circumstances, if you do take a call just tell them you will only deal with them in writing and end the call.


Some people get interest frozen or reduced settlements but a lot will depend on whether they have the agreement or not, as this may give you more negotiating power.


Oh and welcome to CAG!


Read more MBNA threads and you will soon get an idea of how they work!

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