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Egg

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I just wanted to praise Egg banking for their customer service.

I have missed payments on many loans and cards before and I expect abusive phone calls and aggressive even unreasonable behaviour.

Egg, on the other hand (and even the debt collectors I have sometimes been passed to by them) are nothing but polite, professional, friendly, understanding and reasonable. They really do seem to do the best they can to get you back on your feet, even increasing the credit limit on my card by £50 so that the interest did not push me into overlimit charge territory.

Yes, I do still get a million calls a day because their automated system still wants to talk to me, but I don't mind talking to these guys and it's good to know that there are some debt collection departments who can act professionally :)
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