IVA approved

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Ftreal

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Post by Ftreal » Thu Aug 29, 2013 1:26 pm
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I just wanted to say that it is with great relief that my F&F IVA has been approved.

A big thanks for Melanie and her team, with a special mention to Amie, for making the whole process stress free and for all their support, I cannot recommend them enough, this is how an IP firm should be!

Although I have pretty much ticked all the major boxes of reasons for my debt - relationship breakdown, loss of job, relocation, house repossession (and possibly insanity leading to all of this) - I feel I have been very fortunate.

I have had the wonderful support of my family and friends and to have had the time to carefully look at all the options, to do my research and to chose the best IP for my IVA (I am very grateful they accepted me).

What I have learnt is not matter how bad things may look, there are solutions out there and how important it is to take the time to consider what is best for your circumstances and not just to accept a way out of debt due to panic. Maybe I have been lucky but dealing with creditors need not be a nightmare and I have found all of them to be very reasonable as long as you are willing to keep in touch with them.

Once again a big thank you to Melanie and her team, as without her I would not be looking forward to having closure to all of this.
Wisdom comes from experience. Experience is often a result of lack of wisdom.
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Kelly O

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Post by Kelly O » Thu Aug 29, 2013 1:31 pm
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That's great news, we are so pleased for you :-)

I have passed your thanks onto Amie and she wishes you all the best for future and it's been a pleasure to help you.

We are delighted that you choose us to act on your behalf x
Regards Kelly Osadare Debt Advice Manager at www.pjgrecovery.com (host to www.melaniegiles.com.)

PJG Recovery have a free online advice channel at www.debtadvicetv.com. If you are ready to ask us for specific advice or help, then get in touch at www.pjgrecovery.com/contact-us.asp . I look forward to speaking to you.
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Tina Shortland

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Post by Tina Shortland » Thu Aug 29, 2013 1:39 pm
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Excellent news Ftreal and great feedback for the team. We pride ourselves on our standards and how we look after our clients so I am glad you feel we are a good benchmark! Happy celebrating - life is going to feel very different right now
Regards, Tina Shortland, Debt Advisory Manager for Melanie Giles at Debt Advice TV.

If you’re looking for effective debt related information, articles and news, then go now to our on-line advice service at www.debtadvicetv.com

If you’re ready to ask us for specific advice or help, then get in touch at www.call-me.debtadvicetv.com so you can start to free yourself from the stress and anxiety of overwhelming debt.
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Foggy

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Post by Foggy » Thu Aug 29, 2013 2:53 pm
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Great news Ftreal. And a great post. Yes, communication is the key, but also, as you have discovered, is that research and finding a great firm to represent you.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
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Lisa.53

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Post by Lisa.53 » Thu Aug 29, 2013 4:51 pm
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Congratulations, great news!! Also lovely to see yet another happy Melanie Giles client... don't think in all the time I spent trawling this forum I saw a negative word about Mel and her great team, makes me so glad I chose her and her team to help me!!
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hubert

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Post by hubert » Thu Aug 29, 2013 8:52 pm
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font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Originally posted by Lisa.53

Congratulations, great news!! Also lovely to see yet another happy Melanie Giles client... don't think in all the time I spent trawling this forum I saw a negative word about Mel and her great team, makes me so glad I chose her and her team to help me!!
Same here. Having seen all the great feedback, plus the sheer amount of contributions Melanie and her team make to this forum convinced me to go with them.
One pay-cheque away from oblivion!
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MelanieGiles

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Post by MelanieGiles » Fri Aug 30, 2013 2:12 am
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Many thanks for all of the very kind comments on this post, which have left me quite teary. For a number of reasons I have had a very tough week, and when I read things like this it does inspire me to want to carry on with the work that we do and continue to strive for higher standards. Thank you all so much for posting.
Regards, Melanie Giles, Insolvency Practitioner
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Shining

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Post by Shining » Fri Aug 30, 2013 6:09 am
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Great news hope the IVA runs smoothly for you
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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