Hi, my daughter had to use one when she was about 9 months old. She was in the hospital on intensive care at the time so didn't really notice the noise.

Thank you melanie, I will be straight on the phone to them in the morning.

Hi and thanks for all the responses. My ip has told me to wait until I receive confirmation from hmrc and forward it onto them. They couldn't just tell me whether the tax refund will be classed as a windfall or not. I have read my proposal and my projected cash flow only has tax deducted from my pro...

Hi and thanks for all the responses. My ip has told me to wait until I receive confirmation from hmrc and forward it onto them. They couldn't just tell me whether the tax refund will be classed as a windfall or not. I have read my proposal and my projected cash flow only has tax deducted from my pro...

Hi and thanks for all the responses. My ip has told me to wait until I receive confirmation from hmrc and forward it onto them. They couldn't just tell me whether the tax refund will be classed as a windfall or not. I have read my proposal and my projected cash flow only has tax deducted from my pro...

please help as my iva provider cant give me a straight answer. i am a self employed plumber. i pay tax through the construction industry scheme. i am going to be doing my tax return soon, if i get a tax refund is it classed as a windfall or not, as it is just money i have overpaid to the inland reve...

hi i am a self employed plumber and pay tax thru the construction industry scheme, i am about to do my self assessment and will probably get a tax refund. is this classed as a windfall or not as i see it as just tax i have overpaid. please help as my ip cant give me a straight answer.

well it was the day of the meeting. the proposal was accepted with 1 modification, the main creditor has asked for a further 12 payments making the overall term 72 months. roll on 2018.

Hi and thanks for all the responses and advice. I got my proposal from mdc and it all looks good. I've also been reading a lot of reviews about them and it all seems good so I'm proceeding with them. They're proposing 24p per £. The creditors meeting is on Feb 15th, so fingers crossed.

hi all, new to this as i am currently going through the application process with iva company called money debt & credit. just wondered if anybody had used these and if anyone has any advice on what to expect, id be really grateful as im currently feeling very far out of my comfort zone, cheers.