I would have thought that before MBNA agree anything they would want to also see your income and expenditure details. If you are keeping up to date with everything else they might not be too happy. This is probably where the difficulty with MABS arose, as they would insist on treating all creditors equally and paying negotiated monthly repayments in proportion to the debt owed.
Nevertheless MABS would be free, what is going to happen with MBNA i.e. sell on debt when not paid, is going to happen anyway whether or not you pay a middle man.
I would try MABS again, maybe ring the helpline and see if they could advise you on how to correspond with MBNA, you could use one of their template letters from their website.
. Ive heard too many bad things about debt management companies, and feel a bit silly for nearly being sucked in by them, but felt so desperate at the overwhelming debt Im in.
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