Help!

Jimrod

Well, long story short -

Had Morgan Stanley card years ago, cancelled it, Barclaycard took over Morgan Stanley, started charging me card protection on non-existant Barclaycard - I paid off (unwillingly, but to make things easy) and cancelled card.

Two months ago (one year later) I get new bill, argue and refuse to pay - apparently I cancelled the card but not the protection (remember I never even had the card in the first place!!). Get many threatening calls/texts but am very busy - this morning I call up and pay off the full £56 and tell them to cancel everything as I never want to hear from them again, am told to call their card protection line to cancel that, do so and am told their computers are down... This afternoon I get a text telling me as I have not paid my credit rating is now affected!!! (I am just starting the process of looking for a new house so negative credit will seriously screw me in the mortgage process as banks don't like lending at the moment).

I call Barclaycard up to say basically !!!!!! is going on only to have a language barrier problem and an Indian lady who doesn't get what "Credit rating" is and tells me I owe them £56... I argue and am told it may come off tomorrow - which doesn't help the fact my credit will now be screwed AND I've paid them the money.

Tempted to call citizens advice and sue for this theft of my money and my credit rating since, after all, I never even had this card AND had closed my Morgan Stanley account. Does anyone have any advice for me at all, sooo p****d off right now