I'm at my wits end with MBNA and I feel I'm in a no way out situation. Contacted CCCs end of September and they worked out pro rata payments for all my creditors - the majority have accepted - not MBNA nor do they intend to. They set the goals and you pay the price. I've spoken to hundreds of people. Debt management dpt asked me what options had I left in dealing with my debt, I replied did she want me to kill myself? she replied smugly "is that an option". I've been humiliated, patronised, remonstrated for spending money, laughed at, advised to cut my heating bills in half, place my pets out with family, ask my family for money - I've never felt so low. and then theres GVI - they can't ask for who they want, the calls are frequent through the dat x7. My husband is called at work and the matter is discussed with whoever answers the phone. MBNA gave me their word ???????? my number would be recalled and yesterday after several calls I wasd told by a charming young man that once I cleared my arrears and got back on track the phone calls would stop. Isn't that blackmail and oh by the way you need to be paying an extra £30 a month ( they are already getting 60) before we consider stopping charges. All the while he was laughing at my distress.
Sorry this is so long but my kids are at school and I've got 5 minutes. Please please give me some advice and help me restore some self respect