Hi Melanie, I did try to speak with you in person today but you were unavailable at the time. I left a message with a colleague together with my contact number. Would you be free to discuss a few things? Thanks Dave

Thanks Michael. I'v a few more questions if you don't mind...1) would an IVA prevent me having an overdraft facility?; 2) Would an IVA affect my current mobile phone contract? What if i decided to change my contract whilst the IVA is active?; 3) If I managed to save a little, how would this be viewe...

HI Lesley....can you recommend a particular IP? I quite like the sound of yours being contactable & helpful.

Thanks
D

Hi Melanie, thanks for your reply. My Dad is currently signed off permanent sick, and is currently filing for invalidity benefit and therefore currently claiming income support. My Mum also receives income support and will not return to work. Unfortunately she had a nervous breakdown due to the stre...

The background. A few yrs back my parents bought a business and unfortunately soon after the purchase it became apparent that it was in trouble. In-order to buy time & make the mortgage repayments I borrowed money on credit cards & loans in my name & gave the cash to my parents. Not a good decision....