Hi All During this month, I posted messages on here about looking into an IVA or BR.. and to be really honest I was totally worried, stressed what people might think. After chatting with someone from Melanies team and getting a true budget written out, it made me realise that we needed help, at the ...

Currently working 18hr day and earning about 25k before deductions and have approx 37k of debt Ive advise some people here, that I have rent free tied accomodation, but I am looking to get out and change career. After speaking with a nice lady from Melanies team, it all looked possible to run down t...

Dear All, This is a subject,that I can offer as much advice as I you require me to. I have worked in the funeral service for many years and have assisted many people through this difficult time. Is there any brothers or sisters in the family in receipt of the following? · Income Support · Income-bas...

I would just like to say a big thank you to Melanie’s team for a fabulous service, so far All the way through my first phone consultancy, there was nothing judgemental made about my current situation and I felt as though this company and these people where going to fight my corner and my cause. They...

Thanks Reviva I just have worries, what are these companys going to think when I start the ball rolling.. Will the Bailifs turn up or will I get the phone calls from the creditors using scare tatic's..ie payup or else ??? Whats my employer going to say if anything, will he find out, does he have to ...

like what assets, just own a car and whats in the flat, which isnt mine..

nothing of what you would call great value...

Melanie, might be calling upon your services with this situation

Hi Melanie I have to ask the question that is working an 18 hour day doing me or my family life any good. The credit cards are just there at the moment and Im trying to pay them back as much as possible.But the fact remains that I will be moving out of my current career with tied accommodation and a...

I am still contemplating weather to start looking in to an IVA now or should I wait for a while. At the moment my wife and I have combined debts of approx 37k and each month is becoming a struggle. At the moment I’m holding down two jobs just to keep our head above water, the unsecured loans are bei...

Size5 Quote "the poster seems to assume that he is negotiating from a position of strength, when in reality that is not the case" This is nothing to do with position of strength. if an IVA is successful, then great, If it fails then there is only one option left to someone in debt. I am just stating...

Having looked at these posts recently, I have come to the conclusion that there are a few steps should help before getting an IVA. 1- Setup a Bank account - No overdraft with alittle money in 2 - Change home and mobile numbers, after all you would have given these out when taking out credit. This me...

Thats abit incorrect Gail, sorry to pick you up on that statement, the bank will only freeze an account if they recevie a letter either from the account holder advising them of there intent to seek an IVA or a letter from the IP. And I would say that when you enter into an IVA, you really dont wanna...

Note that the credit card departments, run totally independant from most banks and cannot take money from a persons account unless it is done by standing order or direct debit. But to be on the safe side, I would withdraw the money that you need for the essential bills and pay them with cash, via th...

Dont think anyone understands, but Im going to assume what the question is. Quote me if im worng, if someone has HP and all that with payment protection / Insurance, as long as a doctor signs you as unwell for work, then the insurance is used to cover monthy payments. So in the long term if it is cl...

Heres the problem you see, you HP company have been informed of your situation of entering in to an IVA. Simply the HP company know that its in there interest to repossess your vehicle so that there losses are minimal. They are just waiting for you to default on your payment or break some clause in ...

I have read that you require 75% vote when taking out an IVA from all your creditors, so what happens if you creditors dont agreed..

Is it then down to the courts to decide or do you have to go BK