Yes Claire Torry I think sang Great Gig In The Sky. She gives me goosebumps every time!! But! she also sued the band as they did not credit her as a composer of the song, even though she created the melody - she just got a one off session fee. Eventually she won and I guess now would be very minted ...

Yep I agree Melanie & Size 5. Clearly you have good taste in music! I have been in love with Dave Gilmore since I first bought the Animals record at a boot fair for 50p! Very frugal! If only he knew that a financially foolish young lady was strumming his songs on her guitar with her cut up credit ca...

Ha ha yes I might learn Pink Floyds song 'Money' especially to play on guitar with these very very expensive new guitar picks of mine!!!
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Hi, I cannot afford £350 a month that was just a one off payment for an 'advisory' fee!! My loan repayment if I decide to take it is under £300 and I should be able to manage but things are going to be tight! Yes I will enjoy cutting up the credit cards! I am going to cut them into guitar picks so t...

Hi, Well its been very strange and interesting day! I was advised by Churchwood finance advisors that I was no way elible for consolidation loan and the best way was an IVA. I have found out since that they charge a £350 'advisory fee' but then use Kingsgate IVA - who I could have gone to diectly wi...

Hi Guys, Sorry I am a newbie and I would like to know what 'mercers' are? Sound quite scarey!! I am in the process of p an IVA. I cancelled all my direct debits to creditors on Sat and already have had numerous calls. I do not answer the calls although my IP has told them to give the creditors their...

Also I am now wondering why the CCCS did not tell me anything useful..they said that it was normal for SOME companies to be charging up front fees and they didn't even mention that I could be dealing with a DM comp that charges to to put me in touch with and IVA IP. At that point I did not know Chur...

Hi, Yes size 5 I did think that it was wrong that it was ok to use my credit still and although I have to say the chap I spoke to was really helpful and informative I did think that sounded wrong and it has made me suspicious. I have already given them my card details but I am going to call them tom...

Hi I am in the process of setting up a proposal of an IVA with Churchwood who sister with Kingsgate Insolvency. My advisor has been really helpful especially as I have called him with about 5000 questions due to the enormous anxiety I am feeling from getting myself into this pathetically hopeless si...