They are a right set of sh*tbags .... and that Liverpool accent - Aaaahhhh.
Just ignore the £200 demand, they are just tossers.
I turned the screw on Mercers/Barclaycard to get my accounts passed on, and it's worked. Since I've had my accounts passed on to CSL and Apex things have been very quiet. They've both accepted my £1 per month without a peep.