I'm having problems myself with them, i made a agreement with mercers back in august o6 to pay £25pm (credit limit £300, but was over at £533), they agreed interest would be stopped but would charge me £12 each month for being over my limit, also would cancel payment protection. Somewhere along the line my address had been changed on the barclaycard system, they had been sending statements to a wrong address, how? received one after i complained when mercers contact me saying i still owed £20 and that was it, but statement now shows i owe more than the start £603, how can this be when I have been making payments each month! Anyhow been on the phone to several different people at barclaycard who can only see the last 6 monts of my account and know nothing about a agreed payment plan, I have the letter from mercers dated august 06 luckily. Now sat waiting for complaints to ring (within 30 mins), lets see how long that takes!