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Helpless121

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Post by Helpless121 » Wed Nov 13, 2013 2:00 pm
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Welcome and I'm a newbie too but found the advice here invaluable and reassuring.
IVA completed!!! Looking forward to getting my life back! Stay positive and you'll get there in the end.
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welshwiz

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Post by welshwiz » Wed Nov 13, 2013 3:36 pm
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Welcome,

I haven't been using this site for long and already found the info great, wish we had found it before we entered IVA would probably have chosen Mel's company as she has great feed back from her clients.
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pennieless

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Post by pennieless » Wed Nov 13, 2013 8:30 pm
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Hi Garcks and welcome and good luck.
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Hair_bobbles

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Post by Hair_bobbles » Wed Nov 13, 2013 9:15 pm
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Hi garcks - luluj is organising the " frugal friends" gathering. It's on a thread " February 8 th frugal friends gathering". It's in ascot.

Me & my hubs will be going - only found this forum a month ago & really wish I'd known about it sooner!! We completed our iva in August. (I didn't 't tell anyone about our joint iva- it's a lonely road ,,pride)
The iva is a slog but there is light at the the end of the tunnel & there is so much support on this forum,,it's invaluable,
IVA COMPLETED & CLEAN CREDIT FILE.

An old bible proverb says this: the rich one rules the poor, and the borrower is a slave to the lender.

How true are those words of wisdom.
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Kelly O

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Post by Kelly O » Thu Nov 14, 2013 1:28 pm
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I wanted to wish all new posters a very warm welcome :-)

You should find lots of helpful information and support on here as well as expert advice

Good luck on your IVA journey
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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Garcks

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Post by Garcks » Thu Nov 28, 2013 1:33 pm
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Well, it's the big day tomorrow. I feel like I should be doing something, but there's nothing 'to do'. I have a bottle of white in the fridge at home - might have to crack that puppy open once the kids are in bed!

Hope you're all well.
First annual review (with CreditFix now) underway
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Kelly O

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Post by Kelly O » Thu Nov 28, 2013 1:54 pm
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Hi Garcks good luck for your meeting tomorrow :-)

We are keeping everything crossed for you and will be in touch with you as soon as we can
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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Foggy

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Post by Foggy » Thu Nov 28, 2013 4:00 pm
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Try ( I know it's hard) to put it out of your mind -- as you say, there is nothing to be done now but wait.

You have one of the best teams in the business behind you and I wish you the best of luck.
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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Garcks

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Post by Garcks » Thu Nov 28, 2013 4:52 pm
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Thanks guys - I'll post the results (or ... the outcome) tomorrow!

The electric cigarette is my friend until then...
First annual review (with CreditFix now) underway
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Garcks

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Post by Garcks » Fri Nov 29, 2013 11:29 am
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IVA Accepted!! Wooohoooooo!!!

34p in the £. 5 years and counting...

Thank you so much to everyone at Melaniegiles - what a fantastic bunch of people. And thanks to everyone for your support here too.

:)
First annual review (with CreditFix now) underway
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Kelly O

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Post by Kelly O » Fri Nov 29, 2013 11:35 am
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Congratulations Garcks that's great news :-)

Crack open that bottle later and enjoy your weekend
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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Foggy

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Post by Foggy » Fri Nov 29, 2013 12:19 pm
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Congratulations ! Onward and upward -- and, remember, we are always here for help, support, advice and a giggle if needed.
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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Garcks

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Post by Garcks » Fri Nov 29, 2013 12:21 pm
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Thank you Kelly, I will most certainly crack that bottle open with the missus tonight.

I believe it was approximately 3 months ago that I phoned your firm in despair and spoke with you. How lucky I am that I did!
First annual review (with CreditFix now) underway
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Garcks

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Post by Garcks » Fri Nov 29, 2013 12:22 pm
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... thanks Foggy. I'll be sure to visit the boards frequently, though perhaps not when I've hit the wine later :P
First annual review (with CreditFix now) underway
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Michael Peoples

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Post by Michael Peoples » Fri Nov 29, 2013 12:42 pm
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Congratulations from me and well done to Melanie and her team.
Michael Peoples | McCambridge Duffy Insolvency Practitioners
http://www.mccambridgeduffy.com
If you would like to talk to me about proposing an IVA or have any questions at all please visit www.mccambridgeduffy.com
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