how do i go about doing that, my credit rating is crap because of all late direct debits and bank charges etc etc

Ok after leaving my steady job in jan this year i have been in and out of employment. Before then i was always making the minimum payment to a maxed out 10,000 credit card. Have been paying on average £180-200 for past 4 years a month. Surely the bank can see i am struggling as it is with me changing jobs several times in past months. My account is messed up as they keep taking bank charges out for missed direct debits and whatever else they feel like charging you for. Is there a way to freeze the interest on the credit card so i can bring it under control through time and pay it off, hopefully like a loan, just pay off the balance as is over couple of years. I dont know how to go about this and any advice would be grateful, surely the bank have made there fair share from me alone with these stupid charges and crap interest rates on the credit card. Also i am going to go about reclaiming the bank charges from lloyds tsb, anyone any advice on doing so and the quickest method if any? been reading through the forum already and got some advice but some of it is still unclear to me