Been getting loads of calls now as about 2 months behind at mo.
Unplugged house phone now and put my mobile on silent and today had 18 missed calls. They have all been sent letters about my situation but they just dont give in!

Your right there kallis, we have been making token payments for the last couple of months whilst our paperwork is getting sorted but as we are behind with our payments we are still being hounded from many 0800 & 0845 numbers from 8am till 9pm. One of our creditors Capital one have explained that we ...

Only from Kent!! Should be around 4 hours but have friends down the road so might pop in and see them. The only thing is I might eat the jaffa cakes before I get there!

Cheers for the tip Jue!!

Gareth mentioned that he was to speak to you to arrange a date I do believe.
Looking forward to meeting you!

Hi guys, still here! Been reading all the advice all you lovely people have been giving while ive been waiting for my accountant to get all my final accounts sorted. Its such a pain being self employed sometimes but spoke to Gareth from Mels team today who bless him has been off for a few days with ...

Hi everhopeful,
just to let you know that your in good hands with mels team they will really look after you. I again am a few weeks in front of you and found this site and its people really helpful.

Oh good news and sad news. I hope you have a great future and congrats. When you hear things like that then you realise there is more to life than money. All the best. x

Can agree with all above. Mels team are brill and on the ball.
Defo no worries so dont feel nervous as once you speak with them on monday you will feel so welcome and wondering why on earth you was all jittery!! All the best.

Dont get me wrong Mel I hate seeing the number come up on my phone but I am quite firm on the phone and always try to make a token payment when I can after all I do owe them money but when they hang up on you I find it most unprofessional and quite annoying. Like I have said before I alway answer th...

All my creditors are really good and are human apart from Global Vantage (MBNA) who called today to ask for £630. When I told them I only had £13 in my bank at present they said that will do!!! Then asked for my debit card number so they could take £300 out on the 29th of Jan. I then said that the c...

Yes to the above, im self employed and just in the process of getting myself sorted. Good luck.

Hi lulu, why cant you give up this large house and get a 1 or 2 bedroom place? Just curious not having a go. Let us have more info so we can help you. Hope you do.

Exellent! Well done.

Hi all, had a chat with Mel today and gave some really sound advice. So glad I found this forum and Mel!!!
Hope all are well and thanks to everyone. x