I am currently in a Debt Management Programme with Allclear Finance. I owe Barclays quite a large sum and am wondering if it is possible to come out of the debt management programme and deal with Barclays direct. I have been in the programme for 3 years now and they estimate it will take me 5 years to clear everything. Do you think Barclays would be agreeable to dealing direct with me. Any comments would be welcome. Thanks