Thanks Melanie - That be the case it may be in my span. Please dont chastise him as it is probably me error.

Melanie.- Are you aware if Mark the solicitor is on holiday. Sent several emails and also an email to the office Info @ email address and heard nothing back as of yet.

Thanks

Merlin

I have a very similar situation. Were you not required to pay the PPI pay out into your IVA as a windfall as opposed to using it as a F&F Settlement. Also who was your loan with. It was'nt Barclays by any chance was it as that is who I am about to make a claim against.

Soashamed - I agree as I met Melanie and I would agree that she is a very approachable.

Melanie I have now just about got all the information over to Gareth that he requires. There remains 2 questions which I would appreciate you advise on. 1.I have an Estate Agent coming to my home this week. How do I approach the subject of a Forced Sale Valuation. One of my concerns is that we have ...

I declared BR 10 years ago and apart from the stigma (who cares it happens to the best) the whole experience was not totally unpleasant and the relief is unbelievable.

Surley this has got to be "theft". No one could ever get out of debt if they had large debts. The courts should control this as generally a court would surely cap the interest that could be charged. People are being robbed for making a mistake. we have all made them.

I must be lost here somehow. You say you are paying £374 p/m on a £15k debt. I know that interest cab be bad but this would be criminal. If the interest was capped then you should be paying this debt off in 41 months. If the figures are correct then you are basically paying off on average £62.50 per...

Hammons...That is great new and I am sure it is a great weight off your mind. You can now concentrate on the future. Would you mind if I asked you who were your main creditors and what kind of values. Sorry to be nosey but I too will be offering a low dividend and could do with all the encouragement...

I am Self Employed and have met with Melanie and would defo. suggest you make contact with her

chriscar Take Melanies advise. My advise, would be make sure that Melanie was one of the IP's that your parents spoke too. To give you an idea Melanie is still providing me with help and support via email at midnight. I travelled circa 300 miles each way to meet with her and everything you read on h...

Mike. I have just read this Post. I would like to offer my deepest sympathy to you and your family at this very difficult time. My thoughts are with you. This forum is an exceptional form of support for people with financial worries, however in circumstances such as this it truly highlights that mon...

My wife has just shown me a video on You Tube which will shine a little bit of sunshine on anyones bad day. Check it out - its priceless "Anti Depression Video"
Apologies for prvious Subject Heading. I dont think that this was appropraite once I read the Size 5 Post. Apolgies

Thanks Melanie
On a different topic - if you are having a bad day check out "anti depression video" on you tune. If this does not make your day and give you a giggle then nothing will. I am going to see if I can get it as a ringtone.

Melanie A friend of mine has just called round and has been asking some questions in regards to personnel BR. Honest it is a friend as I am happy the way we seem to be heading. His situation is that several years ago he and his wife as a partnership built a small housing development. The hmrc have n...