What can I do if I experience Financial Difficulties?

We acknowledge that some of our customers, even when they borrow responsibly, can fall into financial difficulty when circumstances are out of control. At MBNA we are committed to helping our customers get out of debt as quickly as their circumstances allow and various repayment options can be discussed with our debt advisors on 0800 0280690

The Consumer Credit Counselling Service provide a free online tool, CCCS Debt Remedy that can tailor advice depending on your individual circumstances.

Alternatively, there are many non fee charging Debt Advisory Services to help you take control of your debt and arrange free payment plans with all your creditors.

Consumer Credit Counselling Service www.cccs.co.uk Call free: 0800 138 1111	National Debtline www.nationaldebtline.co.uk Call free: 0808 808 4000	Citizens Advice Bureau www.nacab.org.uk
Pay Plan Kempton House Dysart Road Grantham Lincolnshire NG31 7LE www.payplan.com Call free: 0800 917 7823	Debt Advisory Service - Scotland Head Office: Suite 201-203, Baltic Chambers 50 Wellington Street Glasgow G2 6HJ www.debtadvisoryservice.co.uk Call free: 0808 808 4000
If you want information regarding your credit file, you can contact:
Experian Ltd Consumer Help Service P.O. Box 8000 Nottingham NG80 7WF www.experian.co.uk Tel: 0844 481 8000	Equifax Plc P.O. Box 1140 Bradford BD1 5US www.myequifax.co.uk Tel: 08700 100 583	Callcredit Limited One Park Lane Leeds West Yorkshire LS3 1EP www.callcredit.co.uk Tel: 0113 244 1555