Hi - I am one of the unfortunate soles that PJG sold over to Creditfix. I have made consecutive payments to PGill for 64 months - with my payments eventually being returned from the Susan Clay closed account in Jan of this year - i made contact with Creditfix - who told me to stop paying the monthly payments until they had the chance to review my file and thought i may be discharged already - they told me to check with AIB which i did. I logged on and could see that the TD was not discharged. Since jan I understand first interim dividend cheques have been sent to my creditors - but i have heard nothing. i tried to log on to AIB again today but can't - i think they have altered how they operate? I have also send an email to Credit fix again today - I am concerned that although i have overpaid on my 5 year TD i am no longer paying - and have no proof i was told this. any advice grateful - i am so near but yet so far - and very worried about the next step - whatever that may be?