i think i am a couple of steps behind you in same kind of circus with barclaycard/mercer etc. I keep writing for my CCA - signed copy, they keep sending me a copy of what they allege i have signed. Does this ever end? I had 7 text messages from Mercer in the space of time it took me to take a shower earlier. I have actually answered one of their calls - told the lady i was paying £1 a month, told her it would be paid through my bank on 15th and she said 'ok, sorry to have bothered you' - HUH?? i don't believe that's the end of that for one millisecond!
I haven't got to the point of saying that i don't believe that a signed agreement exists yet but i guess that part is inevitable. Reading other peoples experiences is keeping me sane though!! thanks!