Can I please have your email address Melanie

I have been told today that I will be made redundant, the company I work for is relocating to another part of the country, it will mean a round trip of 120+ miles per day, and a decrease in my current salary, so I will have to accept redundancy. The relocation is not taking place until March / April...

Hi All So I receive my renewal papers from Zurich and they have upped my home insurance policy from 46.26 per month to 57.36 per month!! a total of 688.32 per year so I go on-line and get a quote for 295.31 per year from...............Zurich!! so when I ask why my renewal papers state a sum of 688.3...

Just had a call from my IP informing me that the Creditors meeting had taken place and my IVA has been accepted!!!!!! Yyyaaaaaayyyyyyyyyyyy..... Just a couple of very minor modifications, but what a relief....... I don't imagine for one minute that its going to be an easy journey, but I'm soooooooo ...

Well, on Thursday morning my creditors will decide my fate, so fingers crossed they will agree to the IVA, I'm offering 100p in the pound so I'm hopefull of a favourable outcome. Melanie and her team have been brilliant throughout this whole process, and whatever the outcome of the meeting, I would ...

I'm just entering into my IVA, did my research beforehand and Melanie won it hands down!!
I will also be speaking to her on Monday afternoon via telephone, and if she's half as caring as Tina was then I'll be a very happy chappy

Hi All As part of starting my IVA, I had my property valued today at between 85k and 90k, I owe 65k on the property, and I have 34k debts. Do you think I could sell my house and offer a lump sum to my creditors and avoid having to pay into an IVA for the 5+ years, would they accept that? and if so h...

Good Evening All I'm in the process of starting my IVA, I've gathered all the paperwork I need except a mortgage redemption certificate, and the bank are being slightly negative towards me. I spoke to them last week and they assured me I would receive it last Friday, didn't come, rang them, "it was ...

Once I'd informed her that I was ending the call she began to ask me if I was a home owner.......Bye

Good idea Harpic, I'll do that next time they call me.

Hi All I am in the process of setting up my IVA, I sent letters out to all my creditors 2 weeks ago informing them that they will now have to deal with the IVA company, and today I get a call from Yorkshire Bank Visa. I explained about the IVA and told them about the letter that was sent to them, an...

Hi All Well, we have just sent our documents off to Melanie, so hopefully it won't be long now before we can start our IVA. We opened our new bank account and I was paid yesterday, It didn't feel right that the direct debits were not paid to my creditors, but it felt damn good when my daughter asked...

Hi All
Well, there's no turning back now (not that I want too)
Posted my ATA letter to Melanie, sent out the letters to the creditors, opened my new bank account and changed my direct debits.
Hopefully it wont be long before everything's agreed and I can finally stop worrying [:)]

I would imagine you have, I have a basic account and I've got direct debit

I was very happy once the Nationwide account had been open, the guy we spoke to did his upmost to talk us into having the "all singing,all dancing" account and was very keen to oversee the transfer from my currect bank to the Nationwide, including the direct debits (at this point I got scared and th...