Thanks Lesley x

Thanks Jackieg just got to grin and bare it for the short term but it will be worth it

Thats good to hear Goosed, I did some research before settling on Melanie and I am very happy with the decision I made. I am in the process of getting all the paperwork over to her but my wife suffered a heart attack recently and that has kind of slowed the process down a bit.

Thank you all, sorry to seem a bit of a worrier but you guys are making me feel much better

Thanks Kallis, never would of thought of doing that. Excellent advice

Regards

Tone

Hi all, I am just entering a IVA with Melanie and I have been reading about some of the harrasment cases on the forum, wish I hadn't of but the worry is in the back of my mind now. Some of the creditors are Barclays and MBNA who seem to be particularly nasty. Anybody got any experiences of them on h...

Thanks Melanie I look forward to speaking to you soon.

Thanks Melanie, the likelyhood is it would carry on but its not guaranteed and if i dont do the week on call due to illness or if the company change the number of times I do it a year then it may cause me a problem. Best to err on the side of caution I think

Hi all, I posted a question about ot payments earlier and had a great deal of good advice so thanks for that. I am wondering whether somebody can give me advice regarding the following I am on standby 1 week in 4 and get a allowance for doing this however it is not guaranteed and could be changed or...

Thanks all you have been most helpful I look forward to speaking to you all as I progress.

Thanks Lesley thats what I needed clarification on, i am just starting out on this road so will be posting on here regularly with my ups and downs

Thanks for the info, can you tell me how you work out the tax and ni payments on the ot? On my payslip it is listed before tax and ni is deducted.

Hi there, I am about to start an IVA however I am wondering what happens with OT payments? I am aware that generally that the 1st 10% goes to yourself and the remainder is split 50/50 to the creditors and yourself. What would happen if you managed to do a lot of OT on a regular basis would the IVA f...

Hi all, well our journey is just about to start but I will keep you informed of how we get on. I am happy though to have Melanie and her team to guide me through it.

Have just spoken to a lovely lady called Tina at the IVA advice Bureau, I found her to be very understanding and knowledgeable about IVSA's. Cant recommend them highly enough. I am hoping that Melanie can take my case on.