All of your replies have helped like you wouldn't believe. I received a call from Melanie's team this afternoon, only sent my enquiry in this morning - wow !!

I have learnt so much in 7 days and so so glad I found this forum - I'll be sticking around. Cheers guys x

@kallis3 that sounds like a good plan to me! I will unplug the phone, answer letters and only answer calls if my IVA proposal is accepted .... please god!

Hi all, I have decided to take the IVA route and have an appointment with CCCS next week and have put an enquiry form into Melanie Giles company. I applied for a Nationwide Flex Account which they seem to have accepted and am waiting for them to open fully (had a letter just requesting my signature)...

Hi, I am new to all this but not sure how can you be mis-sold and IVA. It is my understanding that your IP acts on your behalf and your creditors have agreed the proposal put forward. I would contact your IP as it sounds like some kind of scam. I could be completely wrong of course and a more experi...

Hi Melanie, Yes my employer recommended CCCS. I first rang the free Employee Assistance Helpline (which offers free advice to colleagues, family and friends) who referred me to CCCS. To be honest though I am not very happy with the service so far. I was informed I would receive a phone call between ...

Update. I spoke to my Manager yesterday, who was brilliant and sympathetic to my financial mess. She spoke to HR on my behalf and advised an IVA against Halfax, who is one of my creditors, would not cost me my job. the reason being that my role within the bank does not pose a risk, ie I do not deal ...

Thank you for all your comments and advice. My role in the bank is more of a mundane backroom admin job and I do not give financial advice to customers. I'm just hoping this is going to be enough. I've decided to be upfront and explain my situation to my employer. I'm also hoping that because I have...

Thanks so much everyone x

Hi all, Been lurking for a while, everyone here seems friendly and helpful so I thought I would post. Got myself in a mess, got an interview with CCCS next week to discuss my options. But what is absolutely freaking me out is that one of the credit card debts is with Halifax and I work for the group...