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Ok I need some my advice, my car was badly vandalised saturday night... its a 04 Avensis.... i went to get an estimate today and its looking to hit nearly €3,000 to repair! I think there is a chance the car will be written off as its only worth approx €4,500.00... Can someone tell me exactly...

Hiya Macca, I myself have had a lot of problems with MBNA, have you thought about going to MABS, I did and it was the best thing I could have done. To be honest I wouldnt pay them anymore as you are just going to be going around in circles, I would let them sell your debt to a third party...

Have you asked the Bank if they would consider freezing your interest the allow you to catch up with the actual loan?

MBNA are a complete nightmare!! I am quite surprised that AIB aren't more helpful. Have they threatened you with legal action? I actually went to MABS and they are fantastic, it might be something to think about, basically they will deal with the AIB for you and make an offer of re-payment on...

Hiya Netz...... well done on finallly getting MBNA to come around and do something decent for once! Just keep an eye on them and make sure that they are not adding any charges on to your account at all.

What bank are you dealing with?

I had a meeting with MABS today, it was the best thing I ever did. They are now going to take over my contact with MBNA, I was told if the debt (which it more than likely will be) is sold to a third party, they will automatically stop the interest being added to the account and you just pay them...

Gekko you have practically said exactly what has happened with me and MBNA! the only thing they never did was agree to a reasonable repayment deal!!! So maybe it will be a good thing if they sell my debt!!

Do you know of someone that has been taken to court? They have told me they are selling my debt to a third party!!!

Hey guys, so just an up date, i am getting absolutely no where with MBNA. I have made another appointment with MABS tomorrow to see what else I can do, just to let you know Time, the last time I spoke to MBNA they told me outright that they do not take their customers to court.... simple fact is...

Hiya, the best thing you could do is go to your CWO and apply for Supplementary Welfare Allowance, and also rent allowance. Do you work? Supplementary Welfare Allowance is paid by the HSE to people who are awaiting a payment from the Social Welfare.

Ya i know they do! but to be honest at this stage i have no plans on borrowing any more money! It will go against my credit rating for 6 years! They are like you said very difficult to deal with but I might as well be banging my head against a brick wall! Has anyone ever had the experience...

Mister Markie, it aint even worth writing to them again! every time i try to negotiate they say the same thing to me... they tell me "I Can Afford to Pay" even though I know I physically cant! Woodie, I have been having this argument with them for 2 years now. If they do not come to a...

Ya I was talking to them the other week which is why i sent the letter with my financial assessment... I just got home and have received my bill... they have charged me €70 interest and €15 late fees this month! I am going to ring them today to see what they say! and see if they are willing to...

Just let people know my update with MBNA i sent them an offer with a financial statement last wednesday and I have heard noting from them about that. But i did receive a letter this morning threatening that they will do the following:- 1. Close my account and report me to the Credit Bureau...

I have no idea why they do it! I even had to change my mobile number becuase of them it was ridiculous!

My interest with them is roughly 19%, I am paying over the minimum payment and they are adding approximately €60.00 per month interest on to my bill, my outstanding balance is €4000.00 - Plus charges of €500.00. I requested statements from MBNA and they sent me copies of them for the last 2...

Hey, thanks for all your comments, Mister Markie that sounds like a great idea... think I might give it a try! I will tell you though they are a nightmare to try and negotiate with. Let us know how you get on.

I am having problems with MBNA. I have a credit card with a limit of €4,000 which I havent used for 2 years. I was making weekly repayments for months but wasnt getting anywhere with it. The interest they are charging is massive and I just cannot keep up with it anymore. I have on numerous...