If I give you one piece of decent advice this year my friends, it's this.
Get onto a company that makes claims for PPI mis-selling, (there's plenty out there) and get them onto your credit cards. It's been about 6 months, but that's our third one paid up to the tune of £3,600. It's a large store based credit card but my only regret is it wasn't Tescos. All in all, we've had £5,600 paid back between the three of them. OK, the debt company takes 25%, but as my old father was prone to say, 100% of fuck all, is still fuck all.
I can give you the name of the company who is working for me if you want.