thanks Jan, just rub salt in as they say had a letter from barclaycard stating that my standard intrest rate has been increased from 14.9% to 19.9% with imediate affect. Is this normal?

Progress report !! Still waiting for accounts etc to come back from accountant[:(] but Angela has written to all creditors, direct debits all stopped, new bank accounts up & running. feel a little progress made now

many congratulations, you should be able to sleep a little better now I hope !

Thanks again, will give Angela a ring tomorrow. Just waiting for selfemployed accounts for 2010/11 to be finalized by accountant so we know income & tax liabilaty & hopefully things should stsrt to move on.

Thanks again everyone, some very reassuring words there & yes Angela is our case manager too. Sounds like we have made the right Choice with team Mel, did speak to couple of other firms as surgested on here but found ourselves coming back to Mel all the time. I've read about problems with HMRC post ...

Thank you all for the warm welcomes & advice, we have spent hours reading on here today and it really is reasuring,but soon as you go away from it the black cloud drops again!! Havn't read much feedback about Susan here which is a bit worrying presume Mel must be snowed under. Sent letters out to al...

Hi everyone just plucked up courage to post after a week or so of reading all the great posts on here, been a great help thank you all. Have signed up with Melanie Giles (Susan Clay)this week,A big thankyou to Tina for all her help & advise, and calming influence too !! so busy trawling through ever...