www.iva.co.uk

Well in the Giles household the turkey is defrosted, the sprouts are peeled and the wine opened - and having spent all day doing last minute shopping in Cardiff, I am in the middle of wrapping and finalising the decorations.

Peronally this is not my favourite time of year, as I hate the hype and the pressure on families to conform with the commercialism, but I am looking forward to a couple of work free days now to spend time with my family and especially to catch up on Corrie which is on my Sky plus as I haven't even seen the tram crash episode yet!

The highlight of my holiday, of course will be watching the Fourth Test in Melbourne tomorrow night - and I am going to attempt to watch it all live this time! Just hope that Andrew and the boys are not too stuffed on their turkey to be unable to give the Aussies a run for their money.

Just wanted to take the opportunity to wish all forum members, my friends, fellow professionals and colleagues a very Merry Christmas wherever you are, and keep warm if the weather is still bad where you live. Special thoughts go to friends serving in Afghanistan, with prayers to keep heads down and come home safely.

With grateful thanks also to the people behind this wonderful forum, without which so many people would have not found the right debt solution over the last year, and for others who have received support, guidance and friendship from being members of this forum let's hope that 2011 brings a better year for you all.

A very happy time to everyone, and with grateful thanks for all of the support and kind words provided to myself and my staff over the last year. In my native language:-

"Nadolig Llawen a Blwyddyn Newydd Dda"

Merry Christmas to you Melanie and a very special thanks from me and my family for making life bearable this year, it really is much appreciated to have you as our IP. xx

Firstly,I'm glad you are no longer "snowed in" Mel [:)] Snow is pretty to look at, but we're not used to it in such volume[:D]

I love Christmas- to us it's very much a celebration and a time to remember. I too will be tuning into the cricket..loves it, I do [:D]

Have a fantastic Christmas Melanie xx

Happy Xmas Mel to your and your family & thanks for all your valued support and excellent advice. I hope you have a well deserved break from it all and relaxing time at home.

I look forward to your posts in 2011!.

merry xmas to you and your family mel,does egg nogg come from wales by any chance,from my part of the country in the north east ,have a good,n,and if your going out tonight if you can,t be good be careful.[:D]

Merry Christmas to you and yours Mel. I hope the puppies enjoy their first Christmas!

Merry christmas Mel and to all my new forum friends, you have all been a lifeline to me over the last few weeks and while this has been a short sharp shock, I am looking forward to a relaxing day tomorrow with my family, seeing the joy on my children's faces and rememberng my lovely mum who is sadly no longer with me.

I wish you all the very best and hope we all have a happy healthy and 'prosperous' 2011

xxx

Merry Christmas Lem, I hope you have a good day.

Happy Christmas Mel, enjoy Corrie and the cricket and I hope those puppies enjoy playing with the wrapping paper!

Merry Christmas to Everyone involved with this Forum.
So pleased i found this Forum although it was by chance it has since been a Godsend.
Dont think i could have managed another New Year waiting for those credit card bills and debt collection letters?
Good Luck to everyone in the coming Year and heres to a brighter future?

I too would like to add my best wishes to all and echo Melanie thanks to this forum and all who make it happen. It really is a great place for advice and support, and without the people here who throughout the year provide an ear to listen and a should to cry on, far too many of us would still be feeling isolated and alone.

While we have had a very quiet Christmas, it has been in a relaxed and comforting way.

I hope you have all had a wonderful day and that the new year brings with it new hope for us all.

Best wishes to you all
x

Best wishes from me as well Carole.

HI
Can I just add my best wishes to everyone, and my thanks to Melanie and all the other experts for their time in supporting this forum
Regards

Merry Christmas to you and the family Andy.

and from myself to each and every member. Without the support of this forum this IVA could be a dark place at times. A wonderful forum which I hope to be a member of for many years to come. xx

thanks to all the admin peeps on here and the experts like kallis and outhers that give their time on here
looking foward to a iva with mel and her team next year
best christmas for years nothing on the plastic
corfu