I cashed in my RRSP's to pay off debts - had 3 deaths in family & lost my job - got behind. MBNA was the only company that would not accept a settlement, so I have been paying $75.00 per pay. Even when I paid the amount agreed upon, I still got AT LEAST 1 call each & every day - sometimes on the weekends as well. Each time, I explained what I was doing to a new person, trying to stay calm and being as nice as I possibly could be. On the other hand, for the most part, I found the people I spoke to at MBNA to be aggressive... read full review »