Hi,
We are with Melanie and were going through the same as you in Jan/Feb/Mar. We also had MBNA as a creditor and they were the worst by a long long way. We had letters, postcards and phoncalls on a daily basis up until 5 weeks AFTER they had sold their debt on and a month AFTER the IVA was accepted. Initially we tried not to speak with them but after a week or so we decided to be brave and confront them. We spoke to them and kept them informed but it was like talking to a brick wall. Seek advise from Melanies team if you are unsure what to do. All they were interested in was getting a payment out of us, they do say alot of threatening/worrying things to you but remember they are only telephone operatives doing a horrible job and almost certainly have no power. We explained every day that we were in no position to make a payment and referred them to our IP and then whilst trying to remain polite ended the call. As far as I am aware MBNA do like to correspond with debtors.
I know it is hard but stay strong.
"Life is too short to wake up in the morning with regrets. So love the people who treat you right, forget about the ones who don’t and believe that everything happens for a reason. If you get a chance, take it. If it changes your life, let it. Nobody said that it’d be easy, they just promised it would be worth it."
