Okay Foggy, many thanks for your reply, at least we know that there is an unlikely chance of receiving it now and can move on.

Hi Kazza, thanks for the welcome and thanks for getting back to me so quickly. I meant to say that we paid back the agreed instalments over the 5 years, the cost of these instalments was meant to go down over time but they never did and they stayed at £570 a month all the way through the 5 years. Th...

Hi, this sounds very similar to our problem, though we have never received our cc after nearly two years, here is what I posted just before your post....Hi Everyone, I am new to this so here is my story so far. In May 2012 myself and my wife completed our final payment in our IVA, it had taken the f...

Hi Everyone, I am new to this so here is my story so far. In May 2012 myself and my wife completed our final payment in our IVA, it had taken the full 5 years and we never missed a payment throughout, even though we had been passed from Baines & Ernst (B&E) to Blair Endersby (BE) to Grant Thornton (...