Hi Melanie - Yes, I have too much equity! You're comapny has been very helpful though and Melanie Nichols (I hope I have her name right) was fantastic! She helped me understand the issues and suggested DMP as the best route for me. She passed me onto a company last night that are calling me back tod...

Oh thanks Melanie - I don't mind doing a DMP but I worried because it's not binding and they will still chase us for payments we can't afford!

It was Melanie Giles' company I went with so I'm unsure now what to do. Maybe it is because it's only 6 months old and it's the biggest debt? Oh help!

Just found out I can't have an IVA as 1 of our debts is not over 12 months old. Advised to go for DMP - which we will do - but should we go with a company to manage it for us or go it alone after some free advice? If we could get some advice from anyone who has experienced this situation I would be ...

Hi kallis3! Lots of people are saying how good Melanie is - she needs to be to help us with our mess!!!
Fingers crossed I can get everything in order and get an IVA so we can get our lives back.

Hi guys. I have just opened us a joint account at the Co-Op bank so once we get all the info through the post I will transfer our salaries and dd's for everything not debt related to that account. I really feel like I'm moving forward now and getting our lives in order. I'm so glad I found this site...

OK I look forward to it.

Thanks Melanie - I will speak with you tomorrow - I have a lot of questions so be prepared!

Thanks size5 - I did speak with Melanie and as I work and need an evening appointment I had to wait until Thursday. She seems to be very popular on here so I'm looking forward to getting this mess sorted out!
I think I have a lot of questions that Melanie will answer for me tomorrow - hopefully!

Thanks for the help - I will make sure I ring the companies today. With regard to my overdraft - I have an arrangement to pay £10 a month off and I am down to £600 now with the next £100 coming off tomorrow. If I stop it I won't have any money as my account will be stopped and all my bills won't be ...

I'm new to this and have only just set up my first telephone meeting with an IP but I need some help. I have credit card bills to pay this week and next week and I can't pay them. I was wondering if I should call the companies and tell them I am in the process of applying for a IVA and that I can't ...