Or perhaps things changed and they suddenly had less money coming in... Many banks now operate a charge-free buffer zone, where slipping into the red for just a couple of days goes unpenalised... There is another way of categorising borrowers: distress and non-distress... http://www.unsecured-loans-1.co.uk/loans
Don't be put off by unhelpful creditors... You may not get credit in the future if you stall repayments for too long... For those borrowers whose finances are already heavily committed and/or who have difficulty managing their finances, the additional risk may be more considerable... http://www.1steploans.co.uk/loans
Thousands have become debt free in a very short amount of time using this very same program... The distress situation is one where the consumer is not meeting current payments or there is a strong likelihood that they will not meet payments in the near future (eg because they have just been made redundant)... In particular, look out for card companies making introductory offers to new customers... http://www.homeowner-loan-for-all.co.uk/loans