I had been a customer of Next Card Visa since 1999. In 2007 I had financial difficulties and requested the company lower my APR (they had over time increased it to almost 30%). After my second request, they wrote back deniying my request. I tried contacting them on the phone and all I could get was the automated service. I was unable to make a payment one month. And that is when the nightmare started. They contacted me (I was happy to hear a human on the other end of the line as I figured that now I could make arrangements to lower my monthly payment) WRONG! They insisted I pay the two back payments plus late charges. I told them the reason I was trying to reach them for over 3 months was to reduce my payments. They wouldn't budge. They wanted their payment plus interest and late charges. I didn't pay. After about 20 phone discussions, and going thru the same explanations and offering to pay them a minimum of $30.00 per month (min. due was about 50.00 a month) and with their continued refusal to help me I gave up. I couldn't pay and they wouldn't help. So, I waited, knowing eventually someone else would call and maybe we could reach an agreement. No such luck. Next thing I knew, NextCard had sold my account to Platinum REcovery Solutions. These people were worse. After explaining to them I could not affort to pay more than $30. per month due to my low fixed income during more than 5 or 6 telephone calls, I was ery upset and decided not to pay anything. Six months later I received a letter wherein they offered to settle for 1/2 of the amount owed. How on earth was I supposed to get 1,500.? So, no deal. Now, it's been over a year they continue to call every day, sometimes twice a day, but I just don't pick up the phone. They call at any time, sometimes after 9 pm, on weekends, holidays. These people are relentless and they will not work with the clients. I hope they get what they deserve for harrassing people who had a good credit history but had fallen on hard times (like me).