So my PTD finishes in January...still a fair bit away but near enough for me to feel a sense of relief that this ordeal will hopefully be over soon.

When it hits 3/1/2012 I want to be able to cancel the standing order and speak to KPM to get a discharge letter. I don't want to be mucked about and given the PPI claim excuse I just want this done.

If truth be told I'm getting really fed up now paying this. I wish it was over, I've never missed a payment and it's been both a blessing and a curse. I'm sorry to sound so negative, after all, it is my own fault (with the help of my freeloading ex)that I got into this mess.

I just know that I have well and truly learned my lesson and I guess I'm more angry at myself for allowing it to get this bad. I've had to put my life on hold through stupid mistakes I've made in the past but I guess it's a case of you live and you learn.

I guess what I want to know is what happened when your PTD finished? Was the nightmare finally over? Or is there still more to come?

Again I'm sorry for the negativity here...I just want to get my life back on track.