I received the letter just this morning :( To reiterate what others have posted I for one am very worried, it's a worrying change, as like most of you I went with Melanie Giles on her good reputation. To go in 'blind' with another company and not know the facts beforehand this is not something I wou...

Hi Melanie, I'm actually a client of yours! And I was told this in an email from a colleague at your firm that this would be the case. I completely understand in regards to the variation fee being sought, but the nominee fee did throw me a bit I have to say. I have responded to my case handler in th...

Hello, A variation meeting has been decided as a next step, in order to work out if our creditors will accept a substantial amount of time off for a payment break. By doing so a variation fee and a nominee fee has been requested upfront, which we of course cannot afford. I completely understand the ...

Firstly, thank you Michael Peoples for your advice on my OP. I have spoken with my case handler and they have suggested what you mentioned, that to have a payment break for the duration of the maternity leave to which will be tagged on to the end of the IVA. And have given me an I&E form to submit o...

Hello, [waves manically] I've not been on here in a while, [:I] hope everyone is ok? I'm just in need of some advice, and you lovely peeps are great at giving it! Having been in an IVA since May 2012, the time has gone by quite quickly up to this stage, but a new dilemma has set in...we will now hav...

As Melanie has stated, you do need to ask your IP's permission before applying. I, like others often worry about their cars during the life of the IVA, mine has seen better days to say the least. Trying to get finance is not impossible, but the rates and costs per month will make you think again. I ...

I was always under the impression that for annual reviews for Mel's company, with any increases in the I&E (ie. gas/electric etc) would of course need evidence (bill statements), plus wage slips (to show any uplifts) and that was all - obviously, correct me if I'm wrong - I've yet to do one! Then th...

Nutkins - yes my hubby is in an IVA too.

Andy, I will be speaking to my IP (Melanie Giles), as it will be her say so at the end of the day! But was just interested and wanted to get an overall view on what other people may have had with this issue.

Hi all, Just a quick question to see if anyone has had a similar experience. My hubby's car is due to be paid off later on this year, but I am now worried about my car being able to sustain being roadworthy until the IVA concludes (5 years). Once the payments for my hubby's car is finished, these mo...

Congratulations Lesley, enjoy your freedom, I can imagine it was a great feeling to make that final payment. Take care.

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by plasticdaft Ips can often reduce payments by 15% without holding a meeting of creditors so thus option should be looked at firstly. A new income and expenditure would be required. Paul Hi Paul, thanks....

Hi, Hope everyone had a good Christmas and New Year, been a while since I've been on the forum, [:I] I was just wondering if anyone has had any past experience that could help me with my query. I'm having to reduce my hours at work (due to childcare) not much, but enough to lose a little income due ...

Awww, great news!

I could have written your first post myself! My hubby was very insistent that an IVA was not the answer, and it was after considerable explaining, and relaying figures and what not, that we proceeded with our proposal, and weeks later we had our proposal approved and have made our first IVA payment ...

Good luck, I'm sure all will be fine.