Aah, the legendary Tina, who listened to me blubbering and snotty down the phone! I don't post much, but lurk silently. Hope you are well - just wanted to say hi - if it wasn't for you I'd not be here now. Thank you xx

I completed my IVA by F&F in October and yet to receive a completion certificate (not that I was expecting one yet!). My question is....do the banks still have right of offset? I have just found a savings account book held jointly with my husband who was not in an IVA - it has a massive £6 in it - c...

Hi there. I know where you're coming from. I don't post very often, but pop in occasionally to see what's going on. I had a HUGE amount of debt that my husband knew nothing about, and the one thing that has always worried him was MONEY. I eventually had to bite the bullet and tell him - yes he went ...

Congrats from me too - mine was approved last week

I actually rather enjoyed it! Although I should be careful what I wish for, as if I get 5 calls an hour like some people have that will annoy the hell out of me. To be honest, most creditors went very quiet in the run up to the date of the meeting - in fact it bothered me that they were so quiet! Mo...

I have just had a great conversation with a lady who told me that they were going to take me to court and did I have £11k to stop this happening. I'm afraid I laughed at her and said "sorry, you can't take me to court, my IVA was accepted last week" Met with stony silence!!! I think I may have ruine...

Thanks everyone Getting help - you are with Melanie aren't you? Then I can confidently say you will be fine - not sure what my dividend was (or whatever you call it) but it was quite low I think, which worried me. But once again, they pulled it off. Natural to feel nervous, but I am sure all will be...

Yes, I am off now, with my tobacco to make my rollies for tomorrow!!!
(I can't stand the thought of having to do them one by one as needed as I am rubbish at making them!!)

Thanks all, wine almost gone and I will sleep like a baby tonight!

I didn't post the date and time as I was a bit superstitious and worried about jinxing it! It was today at 2pm and bar some modifications (they wanted more money which I expected) it was all agreed. Massive sigh of relief and a huge huge thanks to Melanie and everyone else at the IVA Advice Bureau -...

Hi I'm no expert - but what exactly was this company doing for 3 months while you were making your token payments? It sounds like they should have been arranging your IVA proposal. Do as Kallis says and contact a few companies, but if you want a personal recommendation, give Melanie Giles a call - I...

Hi Roy

The short answer is that I don't know! However, one of the experts will be along soon to advise you - and don't be embarrassed - look at my username eh?

We've all been there, so hang on in there and someone will be along soon to help.

Its a real shame that some companies adopt this approach really - its a major moment in a person's life and from a personal point of view, I couldn't have done it without meeting my IP. Luckily for me, I chose Melanie - even if I had been employed as opposed to self employed, I would have wanted to ...

Congratulations - really pleased for you - its really nice to hear when things go well.

Best of luck for the future - all will be well!

Thanks all - I know you are right - I'm ok now, I just got frustrated by having to keep repeating what I was saying!

Initially she asked me for £450!

Oh well, onwards and upwards - when all this is in the bag I shall look forward to being extremely rude if they keep calling!

Hello all For those of you that are in the process of setting up your IVA's I can't stress enough how important it is to meet your IP face to face if its at all possible. I had to, as I em self employed, but to be honest I would have wanted to anyway. I met Melanie yesterday and it was the most wort...