Thank you very much for all your help. I'll get started on this asap and I'll let you know how I get on, or i'll come back looking for more advice!!

Thats exactly how I feel. To claim PPI just feels the wrong thing to do. I was interested in the clearing up the credit file part. I'll now look into doing this myself.
Im hopeless at doing things like this so if anyone can point me in the right direction would be fantastic.

Hmm I thought they resembled "ambulance chasers." A bit like the solictors i've seen who drive around the shopping centres in an old ambulance all painted up with "no win no fee" written all over it.

If your off the register, does that mean your case is closed? Me and my wife are off the register but have not recieved any certificates from Grant Thornton.

Hi everyone, Ive had a letter sent to me today from a company called Tyler Morgan offering to correct my credit files and to remove all the old defaults and also claim back any mis-sold PPI. Now i feel that its a bit cheeky to claim the PPI back now that my IVA has completed and I know I can clear m...

I dont know why it will take so long but as long as its done and dusted thats all that matters. Ive already opened a new savings account and all the money that went into the IVA will now go into this. I wont realise how good it feels till that big chunk of money goes into my savings account instead ...

At last, its here, we've done it and now its all over. Today we've made our final payment for our IVA and it feels fantastic. At last its finished, i called GT and they said everything is in order and will take 6 months to close our case. If you've just started an IVA or are half way through, just k...

I was the same as you Mike, I only found this forum a few months ago and Ive only got one more payment left!!!!
I wish id have found this forum when I first started my iva.

Thanks for all your replies. If you've just started out or half way through your IVA, just stick with it and get yourself sorted out. I was in a terrible mess 5 years ago, I had loans and credit cards coming out of my ears!! If the one thing ive learnt through being in an IVA is how to budget. I thi...

Its very lazy journalism.

Ive just had my final I&E review and its come back all done. Just 3 payments left and Im finished. At times I thought we would never finish but we stuck with it and now were nearly there.

Ive decided to leave my payments as they are and let it finish in June. I'll do a new I&E and send it off asap. Its nice of my mum&dad to offer but I got myself into this so I will finish it off. Just one last question to ask and sorry for being a pain in bum, but in November I had to pay £269 for a...

This morning, Ive just recieved a income and expenditure form to fill in and send back. Ive only just done one and recieved a letter in November to say its all gone through and my payments will stay the same. Is that normal with 5 months to go?

Hi all, thanks for all your replies. I never really thought of the time it would take to sort out the paperwork etc etc. I might just let it run its course now. Its been a long and hard time but I cant wait till its finished. Ive learnt a very harsh lesson over the last 4 1/2 years I it will NEVER h...

Hi, Im new here today and im looking for a bit of advice. I have 5 payments of £300 per month left on my IVA. So my last payment would be June 2011. Now paying this IVA has been a long journey and it gets me down paying it every month. My mum and dad have offered to pay my IVA off for me so me and ...