Hy guys Thanks for all your comments. As Melanie promised we received the creditors report a few days ago detailing what took place and what bank/building society voted. Our first payment goes out tomorrow, only another 59 to go !!! I think the only concern we have is a modification with the IVA. I ...

Hello everybody Many thanks to everybody on this site who offered advice on our IVA - especially to Melanie and her team who successfully got our IVA through. It has been a stressfull five months not knowing what the outcome would be but now in five years time we will be debt free - and considering ...

Hello once again, its been a while since I wrote but thought some of you may be interested in how things are progressing with our IVA. With Melanies help we have now got a date for the creditors meeting. Both Jay (wifey) and I would like to thank Melanie for all the hard work so far. Jay has been a ...

Hello once again, its been a while since I wrote but thought some of you may be interested in how things are progressing with our IVA. With Melanies help we have now got a date for the creditors meeting. Both Jay (wifey) and I would like to thank Melanie for all the hard work so far. Jay has been a ...

Hello once again, its been a while since I wrote but thought some of you may be interested in how things are progressing with our IVA. With Melanies help we have now got a date for the creditors meeting. Both Jay (wifey) and I would like to thank Melanie for all the hard work so far. Jay has been a ...

Hy everybody...
Hope everyones keeping well.
Well we have sent all our documents to Sarah and now its nearing the telephone interview !! Can anybody give us an idea of what to expect please?

Cheers

Dear Skippy & Tracy h....
Many thanks for all your kind words - Jay and I are hoping the Canadian move will happen but its going to take a while. It would be nice to get some decent shut eye for a change!!
Anyway - will let you know whats going on...
Cheers for now.
Steve and Jay
xx

Dear Melanie and friends. We found out today that Spectrum/Stonebridge will not continue with our IVA should we move to canada. We have now decided to employ Melanies services as per all your good recommendations !! Spectrum have in no uncertain terms have already informed Jay that we are not entitl...

Dear friends. Many, many thanks for all your responses. It was such a great comfort to read them all. Obviously we dont know any of you but your words already mean so much. Its 12.45am Sunday morning, my last sleep ended Friday 1pm and I only got in about 3 maybe 4 hours. Jay, seems to be coping bet...

Dear Melanie Thankyou for your quick reply. We were living off our credit cards until we realised we could not reduce the amount every time we made a payment, because of the recent spate of interest rises. So we rang a company called Spectrum. We agreed to see an advisor. He was with us for over 2 h...

I have been offered a good job in canada. Our IVA is about to be presented to our creditors - will I still be allowed to take the job? - they say that I might have to remain in the UK 6 months each year for the duration of the IVA which will run for 5 years.