Hi missy80, please don't crack up - they are not worth it!
If you haven't already, have a chat with Melanie - you will feel much better - it won't change how MBNA are acting but it may change how you are dealing with it.
You are committed, you are just scared and we're all here to support you - most of all Melanie.
As I understand things, a debt collection department or agency has no legal right to enter your home. They can only visit you if you agree to make an appointment which you will not do. If you have not done so already tell MBNA you are logging all contacts they are making with you and recording all calls and that this is affecting your health and well being. As Melanie says making a small token payment may alleviate things. Try contacting the Office of Fair Trading for more information on the harrassment by creditors if you want to.
Use this forum as much as you need - this situation WILL NOT continue as it currently is. When you have strong moment, remember this is just a big company trying to get some money back and currently being unreasonable in the way they are doing it. They cannot hurt you, you are doing nothing wrong and many many people have been where you are now and got through the otherside.
We're all here for you and you will be ok.
Regards, Tina Shortland, Debt Advisory Manager for Melanie Giles at Debt Advice TV.
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so you can start to free yourself from the stress and anxiety of overwhelming debt.