I totally concur with your initial post fbdo. I too have benefitted from Mel and her wonderful team including Gill and Leighton (I loved speaking to him on the phone with his calming voice and lovely accent

)
My IVA began in June 2008 after an anxious few months and concluded this summer. My completion certificate was issued from Mel within 6 weeks and I dropped off the insolvency register almost immediately.
It was a hard slog but whenever I had any questions or concerns Gill was just an email away and even today I had a query and Gill got back to me within hours. That is great customer service considering I am really no longer a customer!
Thank you Mel and team for guiding me through the whole IVA process from start to finish so helpfully and professionally, I will be forever indebted (nice pun!) to you all.
Now I have some spare cash every month I might save and invest in Mel and her team!!!
Onwards and upwards fbdo. The future is bright and DEBT FREE

))) xx