crikey, I have heard nothing from barclaycard as yet. i did however, really randomnly have a really quite nice letter from mbna saying sorry i was in finaincial difficulties, that an IVA is an excellent from of debt releief but they can advise me in other ways if I get in touch. I am really suprised...

How have you gone so far? I am in the same boat for exactly the same reason- I am now waiting for my welcome pack from Melanie and her team. Cannot wait to get the ball rolling as getting calls already due to missed payments. I am dreading what could happen if i do not get approved. Like you, I have...

Hi Cadman, I am new on here too. Have just missed the first round of payments and starting to get the calls but it's worth it. There's only so long you can go ith sleepless nights and sticking your head in the sand.
Everyone is lovely on here and very very supportive and full of great ideas.

Hi, Haven't posted for a while but am have just got my own case manager and am now beginning the wait for creditor's meetings and decisions. A long but positive road ahead. I have just missed the first round of payments and Barclays must have me on speed dial!! And the effort to save the trees is fu...

How are you doing? I have called them and it was awful - I am in the same boat as you- newly single and noone to share the cost or the distress with!!! I have had to move as well and struggled with all the moving costs which finally sent me over the edge. I stressed for ages about whether or not to ...

So, I have gone with Melanie Giles and have had great help from one of their advisors Tina. I have opened a new account as the majority of my loans come from my current bank. I have drained the account and sent all my info over for Melanie to look at my case. Now I have to call the bank and tell the...

I just wanted to say a massive thankyou for all the support. So random as it's from people i have never met but it makes me a lot calmer knowing i am not the only one. I have been reading magnificent comments about melanie giles, so think I may get some advice there. I have left all of my details wi...

Hi, I am looking into starting an IVA with DFD but am terrified as it all seems very drastic. I earn a good salary but cannot get from one end of the month to the other- my outgoings are around £700 a month before rent/bills etc. My credit card has been stopped and my overdraft capped by the bank so...