Hello all...I spoke to Barclaycard and MBNA about financial difficulties I am experiencing and the anxiety its causing me. Barclaycard said they could take some financial details and would consider freezing interest, but that this is something I should take some advise on as it could effect my credit score. I am not looking to get further credit, but do want to get basic credit such as mobile phones etc in the future. I am desperate to get on top of my debt and clear it, but the interest on top is slowing my progress massively. I am so anxious and stressed by it.
My question is that should I call my individual lenders and tell them of my problems or will they just all freeze my cards and never offer me 0% ever again still demanding the interest? Has anyone done this? I have called Step Change and registered with them too, so will get their advise tomorrow. I would rather try and negotiate something with my lenders directly opposed to a DMP with Stepchange, I think. Can anyone give me advice if you've been in a similar situation. I have lots of cards, some charge interest, some don't (but will in the future). Desperate to resolve and be free again.


Thank you.