Thank you Lesley, we had a huge amount of debt built up over years then we got to the stage where we had to find help and Susan Clay and Melanie Giles stepped in. It wasn't all plain sailing and we had differences of opinion about how the case was going but I truly believe they absolutely worked in ...

Just a quick post to say we have been in our iva over a year now and life has never been better. We don't have any spare money nor do we dread the postman or the phone ringing and over a year on we would like to say yet again a big thank you to Susan Clay and Melanie Giles for finding a perfect solu...

Not really bothered about that, the fact that we are debt free means more to us than credit files and from now on we will have to do things the proper way and save for the things we want. We have gone over a year with no credit and were still here

Hello all, we didn't go for an IVA we went for a full and final which Susan Clay put together for us and the creditors found hard to refuse, thankyou all for your good wishes.

At the end of the day were all... human beings xxx

Melanie we are indebted to Sue and all who worked on the case and thank her from the bottom our hearts..

Thankyou Skippy... We have had the best possible outcome thanks to the I.V.A Bureau

Thank you Helen... and good luck to you too.

This forum is the 'bee's knees ' it's so informative and quite an eye opener at times.

I now realise how hard I.P.s work and Susan shown empathic concern towards our circumstances which was refreshing because it shows it's not all about number crunching.

sorry it should have read ...cannot thank her and any of the staff that worked on our case...ENOUGH.

Thank you Kallis and good luck to you too.

She did an amazing job for us. We have had 8 months of hell and now its heaven.

I am on cloud nine in seventh heaven......We are totally debt free barring mortgage payments and ordinary bills....all thanks to Susan Clay at the iva bureau... cannot thank her and any of the staff that worked on our case...Gareth and anyone else... A big thankyou from 'sunny' Manchester.

It is very interesting to read about other peoples experiences. At the moment for us, it is a case of 'so far so good'. I will keep you informed of the eventual outcome.