Thanks guys, I only hear from Barcleycard and Mercers who are a collecting agency for them. From what I have been reading about Mercers on other threads, I think I will just pass on the letters I've had to Payplan and see what they can do to stop them calling at all hours of the day. Thanks for putting my mind at rest, I'll keep you guys in the loop of how things turn out.

Hi seq, I rent my home at £400 per month.

Thanks for the reply stevo, The IVA was been through court and was agreed by all parties concerned. This is why I'm surprised that Mercers have been constantly trying to contact me. The IVA is running for 5 years which I thought carefully about.

I was paying £100 per week which was just covering the interest charges, I was concerned that the debt wasn't getting paid off which is why I went to Payplan. They went through my earnings and said £100 was manageable and which was set up.

Sorry, I just edited as miss hit the post button.

Good morning everyone, I'm looking for some advise to make sure everything I'm doing is right in regard to credit card debt. I owe in the region on 10k to Barclays, Barclaycard and Capital One. I contacted Payplan to see what could be done as I was only just covering the interest each month. They advised an IVA which I agreed to and has now been set up. In fact I have just made my third £100 monthly payment. My concern is the constant bombardment of calls from Mercer and the Statements from Barclays still adding interest and charges. Is this usual practice? Thanks in advance for any help.