Due to a change in my financial circumstances which are out of my control, I telephoned Barclaycard to discuss reduction of my monthly payments, having never missed one. They were really kind, thoughtful and helpful and suggested that my account be put on hold with no further interest charges and no payments to be made so that I could have some time to sort myself out. DO NOT BE FOOLED!! They said that I would receive Notice of Default letters but to ignore them which I did. Spoke to them a few times updating them of my situation and always very caring. OR SO I THOUGHT! Contacted my Bank to arrange a remortgage to pay Barclaycard what is owed and, GUESS WHAT, they've put a black mark against my previously perfect credit score meaning I cannot now get credit. I telephoned them to complain and explained that their deceitful actions have prevented me from paying them what is owed but they were not interested at all and denied that they told me to ignore the letters. They even refused to accept a new payment plan!! Very deceitful company - wolves in sheep's clothing - steer clear. Now complaining to the Financial Ombudsman.