hi we took out a barlcayloan in november 2003 which had ppi.it was premium loan ppi we where not told we would be paying interest on this ppi but also we took the loan and ppi out over 60 months but we paid it back 13 months early.can we claim back 13 months ppi?if so how do we go about it? thanks

hi i sent them the letter in the above reply also mentioned about the harrasment of the numberr of calls and texts they have sent me (mercers) but today i have now being getting txts and calls from calder financial do i need to write to them now has my debt been passed on i dont know whats going on i sent the postal order and letter to mercers but now calder are contacting me

the letter from power2contact said i was to contact mercers and the guy and the door gave me mercers number to contact even though he said he would be calling back if i didnt ring them.i will send it to mercers and a copy to power2 contact thanks for the replies i have been worried sick

thanks am i best sending that to mercers and barclaycard?

i have fallen behind with my barclaycard they have been sending me letters well mercers have since april telling me to call them i have replied to each one asking them to contact me in writing only but they just send me the standard you must contact us blah blah blah i have been sending them a cheque each month with a letter asking for acknowledgment and that my payment offer that i offered them was accepted and that i would stop getting these letters then last week i got a letter from power2contact saying that mercers had lost contact and that they where coming to visit me i wrote to them telling them they hadnt lost contact i just refused to deal with them via the telephone mainly because i am suffering post natal depression and really cant deal with speaking to people and that barclaycard had confirmed that they where dealing with my complaint and would have a written response by the 22nd september and also included a formal letter refusing them or there agents access onto my property,but an hour ago someone from power2contact turned up i told him all the above he phoned them and they have recieved my letter but still demand i call them,he also said i couldnt stop him from coming onto my property i could only stop the baliffs is this right?im worried and very upset i have told them how depressed i am and also the hard time i have had and why i have fallen behind with my payments i have just had twins im on standard maternity pay and havent been able to work full time since i got pregnant. please someone give me advice i am really at a loose end i dont know what i can do.