I am in an IVA with Melanie Giles and now I have split up with my husnband we have managed to sell the house and have enough equity to pay off our mortgage, the secured loan and all the IVA. Problem is, we are getting nowhere fast! I have been trying to get a settlement figure for over three months ...

I am so glad we didnt go with Churchwood, its right what they say about gut feelings. I have been so down lately not been posting, but slowly picking myself up again. We have submitted all our paperwork now and just waiting for the next stage. Have started cancelling DD's which is scaring the cr*p o...

Hi
Thanks all. The support form this site is great, its such a big thing we are doing and cant really worry elderly parents in law, and with no family of my own, its going to be a great help having people to discuss my fear and worries with.
AM

Amfrain, tina was the lady i spoke to first as well and I can totally empathise with you on the feeling. My only continued fret was that I wasn't sure if my debts would be included cos I only had teeny one in name...teeny as in 2.5k. Mind you my daft brain (always forgetts things, hence leakybrain)...

Thats good news. Yes, for me the phone ringing is the worst. It starts at about 7.30am and sometimes as late as 9.30pm. I particularly hate the calls on a Sunday. I get in from Church with a renewed strength, only to be zapped by calls from creditors! I wont miss that and am looking forward to a bit...

Thanks Jan.

So i see from your profile you are about half way through your IVA, has it made a difference to your life? If you dont mind me asking

kallis3 wrote:

Excellent choice, they come highly recommended. The forum is always here for support and advice at anytime, and also for a virtual hug if you need it.

Thanks! I have a feeling I am gonna need quite a few of those in the next few weeks![:)]

Hi All Just been on the phone going through everything with Tina, one of Melanies team. Can't tell you the difference in the feeling I had coming off the phone from her than I did with Churchwood! 1000 times more professional and much more indepth. Have decided to go with Mels team and whilst I am s...

Hi All Thanks for all your messages and encouragement.I think the feeling we have is that we need to do something NOW as the longer we wait, the worse our situation is getting, but I think all your advice about getting more opinions is vital. Any fears I had about Churchwood have been exacerbated.. ...

Hi All New to this and quite frankly feeling pretty terrified. We are looking to enter and IVA (have around £32k debt) I am having trouble deciding what to do for best, feels like such a huge step. Thought we had decided on company called Churchwood Finance, but have now read a few negative reviews...