Hi

Just realised I'm half way through my IVA(if I don't need Sixth year) Wow time's flown, thanks to all- Melanie and Team and the friends I've made on here, and the Friends I'm going to make [:)]

I too have had almost a instant reply when I have e-mailed Melanie's company twice in the last week

Really naffed off . My boiler won't kick in and I have a foreboding feeling it is Kaput. How do you afford a new boiler in a IVA?[:(]

I have just updated my phone with Orange/EE and no questions were asked!

I've told no one -my best friend knows I've had money trouble, but doesn't know to what extent. I may tell her when it's over. I would never ever tell my brother as he has struggled for most of his working life, being made redundant through no fault of his own and managed to support a wife and three...

I've found a great free App called My Supermarket,which has saved me loads lately. I'm the worst person for shopping round for bargains and it helps if you can look at certain comparisons before you leave home. I have also found my Cat's food and Litter for half price in Home and Bargain and B&M if ...

Hope all goes well Lesley xx

Mel's team without a doubt-When I was choosing I was lucky enough to find this forum and heard so many good reviews about Mel and my gut feeling told me to choose her company and I didn't and haven't regretted it[:)]

Yesterday was the 2nd Anniversary of my IVA been accepted. Those years have flown and I hope the restgoes by as quick. I have had some ups and downs, but It's still nice to get to the next Pay Day without a Credit Card Bill or using an Overdraft![:D]

I'm sure your employer keeps a copy of your P60 and payslips. I know of people where I work asking for photocopies of a years payslips and P60 if applying for a Mortgage and not keeping the originals

The extra money I paid is back in my account today. Thanks to Laura with Melanies Company for all her help even though it was my mistake.

Thanks for you replys Andy and Lesley. Melaniie thanks for replying too and looking in to it. I posted this prior to speaking to Laura as I was always going to do just really to see if anyone else had ever done something similar as it was my mistake and I panicked a bit.

I've just realised I've paid £275 too much into my IVA this month. Is it possible to get it back?

I'm fatal with a touch screen phone. I keep forgetting to lock it and as I'm carrying it around ,it always ends up on my phone book and ends up ringing random people usually at unsociable hours. I've managed to ring one of the Managers at work twice in the early hours,but think I have got away with ...

So Sorry for your loss, My Cat is my life and my family. The person who has said this to you probably has never had a pet who they love. Years ago I was upset because my then Cat had to be put to sleep, my Best Friend who had never had a pet said to me "Don't get upset, you can always get another" w...