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So me and my partner are applying for a mortgage i had to check my credit rating says its fair, i look and i have missed payments with vodafone for the last 3 yrs, in june 2009 i cancelled and paid off my contract, the womN on the phone said everything has been paid, confirmed no more money was...

Recently i cleared my loan and noticed i had insurance given back to me (over paid on it or something) i didnt realise i was paying ppi, basically id like to claim it all back but how do i go about it with out getting ripped off by ppi companies helping me?? Advice please x