I am the origional poster and after reading Melanie's advice on other threads, in my opinion she was the person I wanted to approach for advice, she has not touted for business in any way, I NEEDED ADVICE. All I can say to Synical is stop being so synical Melanie thanks for everything and I will be ...

Morning Melanie,I just wanted a direct contact e-mail without filling the forms out yet,as I say my time this week is limited until Friday so I need some questions answering before then if possinle

Hello Melanie I am just wondering if you had an e-mail I could contact you through,you have replied to some of my posts before and I would like some advice,I am away on business for the rest of the week so it will be hard to talk on the phone but could do e-mail correspondance in the evening. I have...

Thanks all for your advice,I have had a company contact me and am waiting for a chat with the IP,I have two payments to make on Tuesday which I could do without but one of the collection agencies said they would have to pass it on to their bailiff for a home visit,do they have to get a CCJ before th...

Sorry I am Neil ts who made the origional post

Thaks for all your replies,here is my story up untill 6 months ago I was earning good money and had managable loan of £278/month and two credit cards of which the repayments I could handle,then the carpet was pulled from under my feet,a salary reduction,£500 a month down, so in a nutshell I could no...

I am currently pondering whether to take out an IVA I have roughly £24000 worth of unsecured debt,I have lost my shift work and am losing £9000 per year,I cant see myself ever getting that salary back,we have an overdraft and numerous accounts with Lloyds TSB,the overdrawn account is in joint name...