We had a terrible time with MBNA several letters/postcards a week and phonecalls everyday.
They gave us so much hassle on the telephone, we found them very arrogant and threatening and they did not take a blind bit of notice of what we were telling them. They came across as threatening on the phone telling us we were being wrongly advised by our IP and that our IVA proposal would fail because we were not doing what they wanted us to do. After all the hassle they sold there debt to Max Recovery in the days before the creditors meeting. I am still getting letters from their so called managers chasing a debt they sold on. They do not seem to know what they are doing.
After all our IP was giving us sound advice.
"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."