Hi Optimism -- many of the bad experience stories of late do relate to one or two specific, but far reaching issues, and should settle in time. Others seem to be down to bad or mis communication and are usually sorted.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
Optimism it works!!! Trust me it does. Thank you Orchid and foggy. Havin a drink n celebrating. Here's to everyone on their journey. All the best to you all x x
