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Help managing MBNA credit card

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Hello Everyone, some advice would be welcomed.


I applied for and recieved an MBNA credit card in November of 2015 in order to pay off my overdraft which was crippling me.


The arrangement was 0% interest if the credit card was paid off in 2 years.

The amount was £2800.


I have been making payments of £120 per month up until last month,

as I no longer have any employment,

and am now starting to get chased.


I am about to offer them a £1 per month courtesy payment until I find employment again,

could anyone help with how to word this?


Also, their terms and conditions state that if any payments are missed the zero interest is cancelled and I start paying interest

- can they do this?

All this will do is make matters worse :(


Any advice is much appreciated.

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letters are in the debt collection section of our library.



and yes ofcourse they can charge the interest

you've broken the terms of your agreement.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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