I have a similar problem, I have been fighting with Barclaycard for about two years now, I've written them, called them, made a formal complaint and even taken it to the Ombudsman who although sympathetic said they could not force the company to freeze interest (currently charged at 6.9%). I am in a debt management plan with PayPlan who say that I would have to make my own decision regarding Barclaycard and also stating the following "a CCJ does not mean that the creditor has to freeze the interest. It simply makes the repayments legal". The question is this - If I cease payments to Barclaycard they will be forced to do something, either transfer the debt to a debt recovery company or take action in the county court.What I would like to know is this - If a CCJ is awarded against me, will interest and charges be frozen? I can't seem to find a definitive answer to this question on any website including Court Service and Direct.gov!Does anyone know the answer?