He definitely used the words baliffs, that I can recall.
Unfortunately they only dealt with customers over the phone but yes now being older I wouldn't consider such dealings over the phone again...once burnt.
I have raised this today with Barclays and a complaint raised, all calls are recorded so hopefully they still have these on record and transcripts too....I too look forward to the reading material.
Sales person needed to hit their target and signed me up again on a new loan eliminating the old one. I'm thinking maybe this is what happened hmmmm as it's all a bit dodgy.