I have an RBS credit card account, but no valid card. I fell behind with payments some two years ago following redundancy, and an inability to get a new job. My savings are exhausted. RBS say 'if you are having financial difficulties, call us' but all I got was cold people on the other end, saying 'we don't negotiate on the interest'. The debt is not astronomical - it is about £3,800, and I was paying through my bank on DD. I can no longer afford to do this. Does anyone have any idea why RBS simply will not work with customers who are in trouble? The worst thing? They removed my ability to pay on-line, and I was seeing some real progress there. It's like because they have been helped out, they don't care about anyone else. Has anyone has successful dealing with RBS, and found them helpful and friendly (unlike my experience)?