me and my husband started iva last march.theres no paper document all is through email signature is through email we dont have a copy of our agreement.and the payment is been taking out every month not by direct debit is by my long card,when we sign the agreement they said that we only pay 10000 of our debt for the next 5 years for 165 a month,i been awarded ppi for 17,000 pounds and all that money they took it cause they saying that money well go towards our debt,and we still need to pay 5 years for 165 a month plus that 17,000 that when they calculated 10000 of our debt for 5 years.my only concern is they took the money just like that with out any expalnation where they gonna pay the money or not even a copy of the payment to our creditor,and they recieve the money from my ppi they dont even bother to call us or send a letter i have to call the bank and i found out they have the money for nearly a month,