Hello all, I have a Barclaycard from way back in the day, i was very slowly paying it off, I was out of work for a few months and they were very nice, froze the account and when i was back in work insisted on converting it to repayment plan at zero interest, great. It got a bit difficult at the end of the first year because they said I should have called them to renew the plan.   I found out when their ten automated calls a day machine started which rather removed any goodwill