Global Vantage must earn money for the number of phone calls they make! My MBNA cards are paid on time, I checked my online statements and it shows nothing due, yet Global Vantage seem to enjoy phoning me at all times, claiming that there is money due. They ask for all sorts of security details, yet will not tell you why they are calling, when you challenge them, they insist that they are calling as there is a problme- WHAT PROBLEM?? I am so tired of companies behaving illegally and getting away with it- WHEN ARE THEY GOING TO REIN IN THESE COWBOYS AND MAKE THEM BEHAVE WITH CIVIL MANNERS? The fact that MBNA uses this company makes me question MBNA's customer service- it seems that they are just in this to make as much money off interest as possible, rip you of whereever they can and then use their dog with big teeth to harrass folk illegally. STOP IT NOW YOU BULLIES!!