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