Hi Anais We have just gone through the IVA process with the help of Melanie and her team. Our IVA was approved last friday 15th feb and we are so happy now. Feel like we can breathe again. I found all of her team including Tina very helpful and informative and to be honest we didnt speak much on the...

Thank you all for your kind comments and good luck wishes. We are both so relieved about the outcome and are looking forward to the future.
Sue x

Hi markss We applied for an IVA through Melanies firm and made no token payments at all throughout the arrangement process. The most hassle we had were the telephone calls and we poltely advised whoever was on the 'phone of our IVA application. Most Creditors were ok with this and the phone calls ar...

I know what you mean about rather go without with regard to chickens. A friend of mine keeps her own chickens and I am going to ask her to supply us with eggs in future, even if they are a little dearer. Will follow your example and look for a local supplier of potatoes in sacks. Theres always a mea...

I remember reading one of Melanies posts in which someone was enquiring about something and basically they shouldnt have done what they did without their IP's permission. Cant remember the exact details, sorry. In her reply she said they would have had a severe "scolding" and it made me giggle as it...

Hi caraf We have a budget of £445 per month for a family of 4. Today we spent £83 and of that we got 1 item of clothing for my son costing £2, a hair product £3 and a new toothbrush for £3. There were some good offers on, especially lean mince 3 packs for £5 which make some good meals to freeze. Sma...

Thank you Melanie and Skippy. Been to Asda with my son today and just had to share what he said to me. He's 12 and we were looking at biscuits and he said "we don't have to have these Mum if they are expensive. We don't mind going without" I had to smile to myself as at one time we would have just f...

Thank you both for your replies. Its funny but the phone calls seem to have just about stopped and the letters a bit less through the door. Its such a relief, must admit sat staring into space the day before the Creditors meeting thinking what if it fails? Also quietly thought to myself, have faith ...

Today our IVA was accepted and we both feel so happy.Just as though life is now about to begin. I am looking forward to budgeting and living "properly & honestly" for once. We see the next 5 years as a rehabilitation period and we will not go down the credit route again. Once the 5 yrs has passed wh...

Hi Maxdebt and thanks for your post. I do feel very confident with Melanies team and after your comments am hopeful for the 14th. Maybe Cupid will cast his IVA arrow our way and be lucky for us.! I have nothing but praise for her team and would recommend them to anyone looking for advice. Heres hopi...

Thanks Mrs Skint, wasn't expecting it to go through until after the meeting date in just over a weeks time thats all. Thank goodness for online banking.!

Thank you Carl for your reply, it was just a bit of a surprise when I went to online banking and saw the cheque had gone out of our account today. Will check the paperwork.

Our creditors meeting is not until the 14th and we are with Melanies team. When we sent the paperwork back we were asked to send the first IVA payment but I cant remember reading anywhere (have to check paperwork) that the cheque would be cashed prior to the meeting. Does anyone else know about this...

Thank you Melanie for your reply. It would have been nice to meet you but work and child pick up from School etc are difficult to re-arrange, having no family close by or available friends to help out. We will make sure that we have our e-mail available and thank you once again for all your help in ...

Thank you Emma Just wanted to check as the letter that came with the proposal says to attend the office but I was under the impression that you just had to be at the end of the phone. We are really nervous about this, just hope it is successful. Will be glad when we can move on. Did you have any mod...