Many thanks Niobe, i will do that.

Hyperdrive,

I would like to compare note if you would like to PM me.

Kev59 - good to hear i wish i was in the same boat. PeeJayel - Forum members to date have told me this, please correct me if my summary is wrong, perhaps they have not said it directly but reading through the lines. 1. Mel has a great reputation so i must be the one at fault. 2. I should not care ab...

Kev59 - good to hear from you. Was you given the opportunity to look over the F&F before it was submitted to creditors and comment accordingly? Are you happy with the process to date? Feel free to ask to message me off line if you feel it would be better for you. Thanks for posting and best of luck ...

Recovering - i agree every point will get lost in this thread over time and there are no facts at present. This is a reason i mention a website of my own, im thinking something along the lines of "MyIVAjourney.co.uk" This is not to be negative in any way just to publish facts that people can browse ...

Sorry that should read...

Please keep in mind, this post/out burst, call it what you will. Well it was not written with out me thinking it was one of my last resorts!!

MrsR - One last comment, i will happily forward anyone that asks my conversations with Mel's company. To see if i have been fair in my approach, consistent and honest. If i have been the bad guy in the situation I will take constructive criticism and would welcome any hint of a solution that may hig...

gizmo78 - I understand your comments and yes perhaps i care far far to my about my integrity and yes perhaps all the creditors care about is money. How ever aside from what the creditors may think of me i do care about how i am portrayed in life in any situation and I also would like to look at bank...

Silver Lining - you have mail

Many thanks

Thanks all very useful comments. I am certainly feeling allot better about the situation than last night/yesterday. Daniel Griffiths - i certainly understand your comments but it still dosent sit well with me to not do everything i can to pay back my debt, well some of it, the frustration at this po...

Silver lining the more i think about it the more i would welcone a call with you.

Perhaps you have an email address so i can forward all the information to you first.

You can then tell me if my out burst is valid or unreasonable!!

Thanks again

Hi, Ok i am a fair person Kazzafunk and Silver linning please tell me how you would deal with this situation if you was I? I have an IVA company that has been unhelpful and has in my eyes have sent a very negative proposal to my creditors, one which is worded in such as way i could be seen to be a l...

I also understand there is great regard and respect for Melanie on this forum. I fully appreciate this as this is the sole reason i chose her company 3 years ago. How ever it is now apparent any problems with her company are buried off forum so perhaps this reputation is not as great as we may all t...

Hi Silver Lining, I feel you have not got the gist of my post or my bigger picture i am afraid. The facts are 1. A website would purely be factual, i would not aim to slate anyone or anything, purely state facts for people to browse at there leisure. It will also save some trees as i am not going to...