PAY UP OR ELSE!!!!

I was out of work for 6 months. Tried my best to keep my head above water but fell into arrears with my credit card.<br> I managed to get a new job 2 months ago and made a payment arrangement with Bluebean.<br> Now I am CONSTANTLY HOUNDED with phone calls early morning early evening all through the day saying my account is in arrears and they are handing me over!<br> Phone them today and explain that I no longer want use of the card. Want to close account and come up with a payment arrangement over a set period to pay off the full amount. I am told either bring card arrears up to date or else pay a minimum of R600 pm. I don't have the money to bring the arrears up to date and am told if I DON'T pay the R600 p/m which I can't afford they are listing me on ITC as a slow payer.<br> NO OTHER OPTIONS AVAILABLE<br> this is how you treat people who have fallen on hard times - HELLO I am one of millions in SA and instead of running away I am trying to sort this as best I can and I am told - NO<br> Fix this please!<br>