Credit Card Payment Issues with FGB

I was working with a british company for the last 8 years in dubai. I got redundant on last November 2011. I have a 2 credit cards from FGB and now i am unableto make payments on these cards as i don't have a job for the last 4 months. I was having a credit sheild on the card but the FGB refused to process my insurance by saying the reason that my payments were not regular. Now it is a situation like the FGB has bounced my security cheque and the bank was telling me that they will proceed with legal case. So i just want to know if there is any legal possibilities for me on this matter.
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