Read answers to frequently asked questions, including what to do if you need help with your money, or you’ve had a change in circumstances.
Making your loan repayments means you’ll avoid extra fees and charges. You'll also avoid any negative effect to your credit file. This is important if you want to apply for credit in future.
Debt can become a problem when you can’t afford the monthly payments, are constantly paying them late or you have to juggle your money to make payments.
Amongst other things, you might need extra support if:
- Your personal situation has changed - for instance, if you've been made redundant or you're dealing with a long term illness.
- You're behind with payments or worrying about paying bills.
There are things you can do if you're starting to experience money worries, so please get in touch.
You can speak to us on 0800 707 6285. Lines are open Mon-Fri 9am-4.45pm.
If you’d prefer to read some information first, you can find out more about managing debt.
If you’ve been placed on a payment arrangement, this will be confirmed by the lender who will tell you everything you need to know. This includes the interest rates that will apply while the arrangement is in place.
After your payment arrangement ends, your standard contract rates at that time will apply. Refer to your account terms and conditions for details about these.
If you want to know more, or talk about future arrangements if you’re still struggling, you can speak to us on 0800 707 6285. Lines are open Mon-Fri 9am-4.45pm.
If you're already behind and are still struggling with your borrowings you can speak to us on 0800 707 6285. Lines are open Mon-Fri 9am-4.45pm.
If you still need further advice, the following organisations should be able to answer your questions and suggest suitable courses of action.
Lines are open Monday to Thursday 9am to 8pm, Friday 9am to 6pm, Saturday 9am to 1pm.
You’ll need all the information you’ve been issued by the debt management company close to hand. Standard network charges may apply.
Someone you trust can help you to manage your loan account.
For more guidance and support, get in touch on 0330 678 1430. Lines are open 8am to 10pm, 7 days a week. Standard network charges may apply.
Losing a family member, friend or someone close to you is an emotional time, and can be overwhelming. But help is at hand.
Call the Bereavement Team on 0330 678 1430. Lines are open 8am to 10pm, 7 days a week. Standard network charges may apply.
St Aidans Hall,
Brackenhill Business Park
When you get in touch you’ll need:
- The date the person passed away.
- Where the death has been registered.
- The name, address, phone number and email address of the person dealing with the customer's account.
For more guidance and support, check out our dedicated page.
For the full list of ways to say hello, have a look at our contact us page.
Making sure you get a fair deal
We want you to find a product that's right for your circumstances. This is why MBNA adhere to the Standards of Lending Practice, which are monitored and enforced by the Lending Standards Board.
To find out more you can read the statement of responsibilities (PDF 275kb), which details what's expected of MBNA (part of Lloyds Banking Group) and you the borrower.