MBNA were one of my creditors too, they were very aggressive during the time my IVA was being prepared, their 'insolvency department' kept ringing me and sending letters advising me that an IVA was the wrong thing to do, they said my best option would be to set up a debt management plan with them.
I didn't do as they advised and my IVA was approved last April, the ridiculous thing was they voted yes and the day after my IVA was approved a very pleasant lady from MBNA 'insolvency department' rang me and said they had looked at my proposal and decided it was the best return they were going to get so they voted yes, she then wished me the best of luck for the future.
As you can see from my personal experience, MBNA will try every trick in the book to squeeze money out of you but if your IP does his/her job properly, they will vote yes when they realise it's the best return available, let's face it the alternative is most probably bankruptcy and the return from that will be considerably less.
I hope this helps [:D][:D]
IVA COMPLETED ON THE 17th MARCH, FINAL I&E COMPLETED 26th APRIL, COMPLETION CERTIFICATE ARRIVED 2nd AUGUST