Whooaa - 1 hour down - 43799 hours to go until I'm free!!!!!

Just had the news.......It has been accepted!!!!!! albeit with a modification (which i was kind of expecting) but fantastic news nevertheless. A big thanks especially to Claire from the Melanie Giles team and yet again to all you guys... 3 months ago I was struggling to see a clear route but eventua...

Well folks it's finally here, my big day. I have the creditors meeting in the next 30 mins and good or bad I'd like to thank you all for helping me through this. THANK YOU!!

I am aware of the pros & cons and costs and believe you me anything is better that what we've literally been battling for god knows how long and seeing no end in sight but nevertheless really appreciate your thoughtful advice to help me... i'm convinced that unless you come into money the loans and ...

Cheers folks!!

Well i've sent in practically all our details (apart from insurance policies yet!) for assessment day before yesterday so the ball is most certainly rolling now.. The phone is ringing regularly now as well as daily mail from my creditors (which I keep in a pile to pass on) but thankfully we aren't b...

yes I will definately keep posting... thanks guys!!!

Hahaha!! Thanks folks,,,, I can only hope I can be as helpful as you guys to the next poor souls that are going through this. I must say I take a lot of reassurance from the fact that you guys are at various stages into an iva, from one month to several years and are full of positivity.

Ha! I'd love some of your confidence at the moment but am sure it will all work out fine; i've lost over 2 stone fretting about this ( an iva is highly recommended for a diet! lol!) but also understand it's all part of the process.... I'm a bit soft with phone calls and would probably find it easier...

Hi guys, my current update is that I have opened up a new bank account and transferred myself and wife' wages into it this weekend as well as most of out essential direct debits (spent the last 2 days on the phone and computer lol!). I am also at the same time collecting all the essential info for A...

Thanks guys!! I can't believe how friendly and supportive everyone is on here, it really is marvellous and is a great deal of help. I haven't any updates as yet but rest assured as they come I will let you know how things develop. Thanks!

Current update folks i that I had a long chat with Tina (Melanie Giles) last night and have decided to proceed with an IVA. Next step is for Melanie to take a look at our scenario and take it from there really.. As reassuring and lovely Tina was I must say its all been at the forefront of my mind al...

Thanks a lot folks, youre all ever so nice. I spoke this evening to a lady from IVA.com who was lovely and have arranged to speak to Melanie Giles on Thursday to make some sense of everything!!! This site is a great tonic and without being rude it's a great relief to read that we are not the only on...

Thanks ever so much folks....... The kids are all sleeping and myself and my wife are currently doing a full breakdown of all our incomings and outgoings (including loans, cards and totals). Very sobering and haven't even bickered.....haha!
Your encouragement has been a great reassurance...Thanks!

Thanks a lot for the positive replys folks. I'm sure ive been blinded by optimism of the last few years all to no avail as i've now finally realised!! We love our home and would love to be able to stay here so anything is an improvement at the moment. So basically my next step is to speak to 3 or 4 ...