citizens advice bureau

[losing our heads]

hi all still new to all this wanted to know if any one has been to cab for help ever on debt i was told to start there first before doing a iva but unsure as to what to expect if any thing as i am sure they will not have the experience a ip would have or iva companys .

has any one been there first before doing iva ?
did they help?

[Sadsack]

Hi there

From you previous post and extremely good advice from other posters, I was under the impression that you had approached Melanie Giles, who is,in my opinion, the best person to advise you on your financial difficulties. What has made you change your mind and seek alternative advice?

I may be wrong here, but as far as I am concerned, the CAB are not going to be able to give you nay better advice than Melanie Giles.

Sue

Ho Hum! Think I'll bang my drum!

Read My Blog
http://sadsack.blogs.iva.co.uk/

[losing our heads]

hiya we have contacted the cab before melanie only be cos we thought we should cover all areas and because its free cab told us they cant get appointment for about 2 weeks so in the mean time iu have forwared my details to melanie to c if she can help as she has very good reputation but again im sure is a extremly busy lady.just wanted to c if any one had any help of cab before they did iva

[MelanieGiles]

Hi there

I am never too busy to help, but my Client Service Manager - Tina Shortland - who looks after my front-line enquiries is on holiday until Monday, so we may have some slight delays in responding to you. Rest assured you will not be ignored, and we will get on to this right away at the beginning of next week. If there is a desparate need to contact me directly, Andy will give you my direct and personal e-mail.

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

To have me propose an IVA for you, please visit:
http://www.melaniegiles.com/ivaEnquiry.asp

See customer feedback at:
http://www.iva.com/iva_companies/IVA_Advice_Bureau.asp

[losing our heads]

i understand melanie sent details earlier but do expect to wait a little you have very good reputaion on both sites .we have not been talked out of iva just been told to check with other areas like CAB its not that i dont trust ip just that i have little knowledge of whats about to happen and am trying my best to get info from everyone i have had two friend that done iva one failed and went bankrupt and the other stuggled but made it to the end if you get chance to reply can you tell me what to do about proving my earing can i get some king of invoice or letter for people to sign to say they have payed me? i clean peoples houses for a living i know its not fantastic job but it brings in some money while being easier to cover childcare because i can choose my own hours of work.

[MelanieGiles]

There is nothing wrong with the job you do - it is good honest work, and is very practical with your childcare, whilst getting you out of the house. I could not manage my own workload without some assistance from a great lady similar to yourself on that front, and I think that you domestic engineers are absolute treasures. Coupled with the fact that I'm actually quite rubbish at it as well (OK that's my excuse!)

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

To have me propose an IVA for you, please visit:
http://www.melaniegiles.com/ivaEnquiry.asp

See customer feedback at:
http://www.iva.com/iva_companies/IVA_Advice_Bureau.asp

[losing our heads]

thanks melanie how do i prove my earnings should i do the above or wait till i speak to you in person/adviser

[MelanieGiles]

Do you get wage-slips from the people you work with, or are you self-employed?

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

To have me propose an IVA for you, please visit:
http://www.melaniegiles.com/ivaEnquiry.asp

See customer feedback at:
http://www.iva.com/iva_companies/IVA_Advice_Bureau.asp

[ray_a]

Not wanting to be to smug but I would have thought this site is most probably stronger than the CAB and they would most probably would welcome our support!

Which leads me to the question should we not inform the CAB about this forum so as to provide assistance to them during this difficult financial time?

[MelanieGiles]

The CAB do a terrific job, and I found out a very interesting piece of information about them today - which I will share in a new post when I have answered the outstanding ones from earlier today. The problem is they are largely under-resourced and under-funded - and can only direct people to the right form of insolvency rather than do it for them.

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

To have me propose an IVA for you, please visit:
http://www.melaniegiles.com/ivaEnquiry.asp

See customer feedback at:
http://www.iva.com/iva_companies/IVA_Advice_Bureau.asp

[losing our heads]

hi melanie i lost my job due to having a op in march which led me to have 3 months of so because i struggled with child care people suggested to me to do some flyers about cleaning houses privatly by my self which i have done and never looked back i pay my national insurence monthly and get payed by most by cah which i log in a book i ahve proof of one job which pay me by balance tranfer a month other than that its all cash which has been paying for school meals nursary petrol food so hardly any ever makes it to bank, as i am still new to all this my mother inlaw suggested i take some kind of invoice to the people i clean for ,for them to sign to prove what i earn would this be any good .look forward to reading your new post about cab

[MelanieGiles]

You could just have a receipts book and get them to sign copies. Sounds to me if you have an adequate accounting system there.

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

To have me propose an IVA for you, please visit:
http://www.melaniegiles.com/ivaEnquiry.asp

See customer feedback at:
http://www.iva.com/iva_companies/IVA_Advice_Bureau.asp

[losing our heads]

right then will get one thanks melanie i can start collecting them next week then by the time it comes to do iva or any thing else i will have the things they need just dont want to hit too many snags on the way to hold things up .? is cccs the same as cab or is it different been looking for your new post. regards lorraine

[MelanieGiles]

CCCS are not part of the CAB.

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

To have me propose an IVA for you, please visit:
http://www.melaniegiles.com/ivaEnquiry.asp

See customer feedback at:
http://www.iva.com/iva_companies/IVA_Advice_Bureau.asp

[losing our heads]

ok thanks melanie