Thank you so much Melanie! you have already been so helpfull, I have been struggling with this for 5 months!! Thx Helen, I will get onto the letter today, I have just read Martins Money tips and he says that you should have proof that you are trying to settle the dispute, luckily I have saved all co...

Yes, I did tell them that I was going to do that today, the man on the phone just said 'fine'
I think I will, I haven't got anything to lose have I? Can I find an address on the web?

Thanks everyone, I'm 99% sure they were included, the problem I have is that it (the IVA) was started with Debt Matters, then Grant Thornton took over, I have had my completion cert for over a year now and when I call Grant Thornton they just say by law all I have to do is send them a copy of my com...

Hi, I took out an IVA and it has been paid and I have a certificate of completion, but I keep getting letters from debt recovery people, most of them go away when I send the completion cert, but one company will not give up, saying they have no record of getting any payments! I have sent the complet...