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Has MBNA broke terms of contract


CatAndMouse
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Hi

 

Can anyone let me know whether MBNA has broke credit agreement. Last year I opted out of an interest rate rise which froze account so that they could no longer increase my interest rate and I only pay off minimum amount every month.

 

But it seems they have been taking minimum amount + £10 on top, this was never agreed with me.

 

So question is have they broke terms of credit agreement, if so where do i stand.

 

Thanks

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