Have had nothing but trouble with Baclaycard for the last year or so, dropping my limit without notice, increasing my apr, and to cap it all off, hounding me for 2 weeks for a £3.16 underpayment. Have been with them for 10 years, but enough is enough, time to act.

Have requested a copy of my original credit agreement (template on here), but have only received a photo copy of their terms and conditions and an unsigned (by either part) agreement. I am 100% certain, that I never signed an agreement.

Both the 12 and 30 day time limits have elapsed, and I really am prepared to take this all the way, claiming everything and generally getting one over on them.

What would my next course of action be

Many Thanks