The credit card was with Citibank, and when it started getting overdrawn I just rang up and spoke to their financial department. They did push a bit, 'Just pay this amount, just pay that amount', so I asked to speak to the supervisor. I then just straight out told them that I had been made redundant, we were down to one wage, and tey could either choose to help me or sit back and watch my debt climb, because food and electricity were more important. They sent me out some forms, asking for DH's wage, our outgoings, our assets etc. A week later I got the call saying they were giving us the 'holiday', and they would reassess at the end of 3 months, and extend it if necessary
I'm not saying its easy, and you'll probably be routed through India, but try and keep your cool and remember the end result
I would try get the debt consolidated, cut up the credit cards so you know you will never be able to incur any more debt on them again, and make a payment plan with the bank who gave you them as to how much you will be able to (in real life) repay, there is no point in letting them force you into an unrealistic figure.
Just be honest with them, let them know that you've done up a budget for yourself and this is what you can afford to make in repayments.
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