Thanks all,yes Melanie Shaun is happy.Our place has also gone very quiet at the mo,there was a bit of trouble last week and the police arrested two of the boys from downstairs,and since then we haven't really seen anything so fingers crossed xx

Welcome scampie,you've come to the right place.My partner and i have just been accepted for an IVA and we are with Melanie's team.You have nothing to lose by filling in the form on the web and having a chat.They are all wonderful and they understand how hard it is for you to admit your problem.Melan...

Had a call from Sarah this evening they have agreed our offer on o/h's,such a relief.I know there are hard times ahead but at the mo i don't care![:D][:D][:D] Never want to feel the way i have been feeling for the last 9 months when i first realised we were relying on credit.To everyone out there wh...

Congrats Connie xxxx

glad to hear the Police were great xx

Hi Drowning Mummy,just wanted to say that i'm thinking of you,and hope everything works out ok.We can't tell anyone about our situation,the shame and desperation you feel can, at times, be unbearably but there is always a solution.Please keep posting, for the support of people on this site is amazin...

hope all goes ok for you x

Hi Ang,no you haven't hon,we're still waiting,i guess that's all we can do!xxx

Good luck Connie,i'm sure you will be fine xxxx

Sorry to hear bout your week,hope everything will be ok for you xxxx

thanks Ang,we'll be fine xxx

Just wanted to add my sympathies to the above posts,hope all works out for you.I have read on here before that you can take a payment break,perhaps it's worth asking?? xx

Evening,it's been a weird day and i still feel a little bittersweet.As i mentioned although mine is approved o/h's will affect me and it does seem an awful lot more that they want.Still i'm trying to forget it for the weekend and leave it in the capable hands of Melanie and her team.We did end up in...

Hi all,sorry i've been a while posting.Well mine has been accepted with a small lift in repayments,but o/h (that offered a better return) is kind of in limbo.They want him to up his payment quite a lot and we had a look and shaved some things off our expenditure and are now awaiting the creditors re...

Hang in there vad921,we had a couple of creditors who were a pain sending us balances,we gave our account numbers to Melanie's team and they managed to get them.Perhaps your IP could help?? Good Luck x