Money_Help, sorry you're having to go through this. I suggest you give Melanie a call as I'm pretty sure that she does understand the criteria that NR look for. Worth a try, advice is free. X
I echo Viki's words - give Melanie and her team a call. They are highly recommended, and she has had a large amount of NR IVA's approved.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
Vikki & Jan. Thanks for your advice. I will certainly be speaking to Melanie's team tomorrow. I cant beleive the lack of support at such a difficult time from my current IP team. Its almost as if they took the money and washed their hands of us. Thanks again.
Viki.W wrote:
Money_Help, sorry you're having to go through this. I suggest you give Melanie a call as I'm pretty sure that she does understand the criteria that NR look for. Worth a try, advice is free. X
Hi Melanie. Just wanted to say thanks for your advice so far. I have left our details on your website and I am hopeful that you will be able to support us. I cant beleive how stressful this whole process has been and how long we have been struggling for. Its the interest payments that get you in the end, using one card to pay off another. I really hope we get on the road to paying back our creitors before the collectors start knocking. Thanks again
MelanieGiles wrote:
Nothing - I'm just highlighting this as an option that is available to you to try. If I were presenting this case, I would have got prior approval or rejection from Northern Rock before calling a meeting of creditors.
Good luck Money Help, you've gone to the right place now.... in two and a half years I've never seen anything other than high praise for Melanie and her team.... certainly helped me more than once on this journey, and sadly I'm not even her customer.
you wont go wrong with melanie and her team she will give you honest advice and like vicki says she knows the criteria that nr look for in a proposal. our iva was approved in april with nr as hubbys main creditor and melanie is our ip. dont give up hope yet, you may be pleasantly surprised after your discussion with melanie!
keep posting and let us know how you get on - i have everything crossed for you
[Hi Melanie, do you have an email address that i can send the information to you! quote]Originally posted by MelanieGiles
Nothing - I'm just highlighting this as an option that is available to you to try. If I were presenting this case, I would have got prior approval or rejection from Northern Rock before calling a meeting of creditors.
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[Thank you I have just posted it online to you! I have a telephone meeting with you at 3, would it be possible to do at 4 as my father can look after my 8 month old? if not I am still available at 3 but we may have to piut up with some winging. Thanksquote]Originally posted by MelanieGiles
I'm sorry I am not allowed to give my personal e-mail address out on the site, but you can contact me via my website.
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Your meeting may be with my colleague Melanie Nicholas rather than myself - confusing I know with two Melanies in the camp! Could you ring through to ask if the meeting can be changed please, as I am not in the office today but working from home.
Hi guys, just got home from work. Thanks for the messages of encouragement so far, they have been great to read. My wife and I really thought the failed IVA was the last hope we had. Im so glad I found the website and the wealth of experience and support available. Thanks. MAT
