There was no need to send that letter. It was a thoughtless and cruel thing to do.

I feel the true reason it was sent was to get people to return the two forms that came with it, asking people to give cleardebt permission to pursue further PPI and now PBA claims.

Hi David. that letter WAS misleading. It started by saying: "I have good news for you." It went on "On Friday 20 March 2015 YOUR creditors agreed to a mass variation that will allow me to close YOUR IVA and issue you with the relevant certificate if all the expected contributions have been made." An...