yea I guess that makes sense!
I have Melanies address now, so I'll drop her a line.
cheers

-15 currently, but it doesn't feel too bad if you dress like an eskimo!
Is your e-mail address on the report Melanie? I'll dig it out in the morning. I can't e-mail you via this forum as it says it's been discontinued due to spamming. I'll also give Laura a call tomorrow.

Thanks and regards
N

Happy New Year Melanie
Just wondering what is the best way to contact you? Obviously don't want to post case details here, but have called your office and told need to speak with Ireland office now. Just wanted to check that that is in order.

cheers!

thanks Mel
I thought that would be the case.
You know what, it's weird, 2 days ago we were wrapped up like Captain Scott, and today, I'm out in shirtsleeves!
It's forecast to get cold again at the weekend, so I'm gettin the long johns ready![;)]
Have a good night

Hi all
just curious..how long into your IVA did the letter's threatening "further action" etc, did you continue to recieve them?
Is 2 months reasonable to expect them to have got the message?[:(!]

yes, I believe so. If it's ok for me to recommend another forum, try out britishexpats.com you'll find a great wiki, which has everything you need to know about moving to Canada, and industry experts will visit the forum and answer questions too, much like Melanie does on here. That forum, along wit...

lol, you can say that again!
I'll definately try to put a blog together sometime, and put some nice pics up too.[:)]

Hi Melanie
we're doing great thanks, kids settling in at school, and work going ok, thanks for the best wishes!

it's only 5:45pm, we're behind you don't forget! [:D]
Look forward to speaking again in due course!

canuck with respect to your emigration question, bankruptcy does not affect your ability to move to Canada (unless you move on a business class visa or skilled worker visa with no arranged employment, in which case you have to supply a financial statement to prove that you can support yourself). (it...

Hi, just had my IVA approved, thanks to Melanie and team.
I'm just curious, it seems common for creditors, even those who have a large stake, not to vote at all.
Why is this? Is it that they would vote yes, but just can't be bothered?

thanks Jan, much appreciated![:)]

hehe it would seem so!

yes to all those questions! going to outskirts of Toronto, and organised a job a few months ago. It's the only way to get in really, as a standard visa, without a pre-arranged job has approx 4 years wait!

nopot, just another mutual support message. I'm a similar age to you, have an identical family make up, and not dissimilar debts. If my first experiences with Melanie's team are anything to go by, you have done the right thing. I'm just setting off down hopefully the IVA road, and after my first tel...

thanks Melanie
speak soon

Hi Melanie just a quick question please. I have spoken to the car HP company today, pending my case with you, and explained my situation. The lady asked if I realised "that they could not be included in an IVA proposal as it was Hire Purchase". She also said that they would send me a voluntary surre...