Big Thanks to my wife - she got the guts and savings to clear these two debts! She managed to pull all the resources to clear off more than half of the debt with MBNA.
I can now concentrate on Abbey alone - last time they said that they would consider decreasing the APR on the card if I reduce my debt by half. I have cleared more than half. I am eager to talk to the accounts review team at MBNA to see if they stand my their word!
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