Thanks to you all for your advice. I am going to ignore the call/flyers from CCDS and give my IP a call about our payments. I am perfectly happy with the amount I am currently paying, but I am worried if it increases.

Thanks again...

I have just had my annual paperwork through from my insolvency solicitors (i.e. 6 x bank statements, 6 x payslips and income vs expenditure), I am worried because some of my outgoings have changed, basically we had to get a car last year so we borrowed some money off my father in law and pay him bac...