I know this link was some time ago, but hopefully you can still help with the same issue. I have received the same letter after being with Freeman Jones or variation of the same for 6 year. Do they only send this letter when they know you are near the end of your agreement??

They did mark the loan element the month after as settled also tm43. Forgot to say that, we all know they are useless which is why we are paying for the mistakes via our taxes.

tm43 I spoke to them and was told yes your account is showing as redeemed and to stop making payments, i asked for written confirmation which never appeared (which I only did under request from my CAB advisor) I left it for a month then called back before canceling my payment and was told you still ...

I have been in the exact same situation apart from I was dumped with the full debt from NRAM due to my ex wife going bankrupt, I too have been paying £75 a month to keep them off my back as I have also got joint loans and other debts added to me due to her actions too. I pay monthly to credit expert...