Well I spoke to Melanie from Jones Giles today and went through everything. We feel so much happier and believe that we are now actively doing something positive about our debts instead of being stuck in a vicious cycle.
Ive cancelled all direct debits for loans and card payments, wrote letters to each creditor which will be posted tomorrow and will hopefully have nearly everything ready to post back to Melanie by the end of the weekend.
I just hope we are doing the right thing. We are a bit worried about the hassle we may get from creditors but hopefully it wont be for long.
Hi you're certainly in safe hands with Melanie and her team, I'm a client of Melanie and have never regretted entering my IVA. All the best and let us know how you progress won't you? x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
You're with an excellent team, so no worries on that score.
Any problems, worries etc you have, post on here and there is always someone around to help you.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
I think it was my colleague Melanie Nicholas that you actually spoke to - confusing having two Melanies in the same firm! - but I hope to speak to you personally very soon Ben.
