Thanks guys, I get the feeling it's going to be like "what should I have for breakfast?" on this forum with the amount of questions I ask you all about IVA's! MY cards are with Marbles, Egg, Abbey and Barclaycard, and my loans are with Barclays and MBNA. Should I stay away from certain banks that ow...

Hi there, doubt I'm going to get a reply from anyone at this time on a Bank Holiday Weekend, but here goes... I have lots of direct debits coming out of my account, the first one being missed this month being my mortgage payment. I get charged £35 everytime this happens, and that's just from my bank...

Thanks Melanie, I'm getting a call in a few minutes. By the way, after watching your interview, you don't sound like you're from Haverfordwest???

Hi Melanie, just so you know, if not already, your site is still down at the moment. Looking forward to speaking with you, Ben.

Just one more thing I have thought of that I would like to ask, I have borrowed money from family and friends, does this get taken into account, I'm guessing not. Is this a situation where I need to pay them back from my disposable income (which I presume will decrease to practically zero if I do an...

Melanie, you are a ledgend! And so late in the day too! I will contact you as soon as possible, it really is a relief to know there are people out there who can help!

Thankyou so much for your advice Melanie, I went to your website but it seems to be unavailable? I have one house that's sold, but not completed with about £30,000 equity, and the other two have at least £20,000 equity each. My line of work is retail sales management. I have a job offer in recruitme...

I have 3 properties and £140,000 worth of debt. I haven't a job as I've been self employed for a year, but have lost money. What is my next step, a job, an IVA, my properties are on the market to be sold, will they be repossessed. I've missed my first mortgage payment this month, I'm not sure what t...