Hi guys! It seems to me, that mercers and BPF are trying to get some money out of us before it gets to court. Mercers "advised" me today to start my payments regardless the dispute, so I won't have to pay extra interest on it, if I get turned down by the FOS.It is clear to me that they try to collect as much money from us, as possible, before it gets to court, and simply file clyesdale for bankruptcy. Dont forget that Barclays Partner finance is only a trading name for Clydesdale financial services ltd, one of hundreds of companies owned by Barclays plc.It is just too easy for them to do it, they won't have to pay you back a single penny, even if you would win in court. Go on the website, read it, KNOW YOUR RIGHTS, and complain to the authorities! It's not gonna go away by just registering and reading forums.In fact the more complaints made to the more different government bodies, the better the chance barclays will back down.They know that they are in the red Ps: How do you record mobile conversations when mercers calls? Can you use your phone's call log records as proof of harrasment? Any ideas? Fuzz, you are a star!Thank you and all the others for the hard work!