Hi Dougie no. I didnt do any PPI. Everything was closed pretty quick if i am honest. Now to rebuild the credit reports through the agencies!

Hi Paul - should be really quick to be honest. Mine came through really fast with CreditFix.

I was a PJG over to CreditFix in the last few payments of my IVA and recieved my CC yesterday. Alls i can say is if you are just in the start of your IVA you can do it and get through the fog. To be honest i have been awful with money, accruing a huge unsecured debt and frankly embarrassed about the...

congrats Mel. Ive been with you since the start of my IVA and to be honest youve made the journey alot easier. thank you and congratulations !

heavy debt.do not be worried..everything will work out fine !

guys i have posted on here since september (abliet the odd miss hap) but i just wanted to say that throughout my experience since sept 09 when i first posted on here as an iva debt ridden soul i gained the valuable advice to go to Melanie Giles company in the search of a debt solution...which i did....

its been a while since my last post apologies all... hope you all had a good xmas last time i posted i had just had my first contact with mels team though tina who basically set out what an iva is and went through my total debt and expenditure etc etc...then i waited for a few weeks sending in my co...

well ive had 3 missed calls from virgin today on my mobile tried to call them back but got an automated message??? weird.all the paperworks gone off.i have written to all my creditors on the letter melanies team has provided.should i call them? hmm i dunno!!!

thanks all. i have all my paperwork to send to the team.now to ring the creditors and offer some kind of minimal payment.sending off the letters in the post.

thanks you guys.without the forum i dont know what id do ! im still worried about stuff..but then again you do dont you?

update..so melanie and her team have so kindly took my case on and i am getting a pack sent out to me in the post...its pay day tomorrow and i am expecting my creditors to call me as i have switched back accounts for all my bills etc and pay...what should i say? has anyone got any experience in what...

thanks Melanie.look forward to hearing from you

so heres my update! i have chosen to go with melainies team and i am awaiting a caseworker, tina who has been great said it would be around 7 days and i am currently collecting together all my paper work to send when i am allocated. i have cancelled my priority ddebits and switched them over to my n...

many thanks Melanie. can i just say Tina has been fantastic.

i have spoken to tina at Melanies company and decided to go through with an IVA. My next step has been to open a cashminder account with the co-op and i have changed my wages to be paid into this for next month. should i approach my creditors via letter soon and let them know i have entered an iva o...