Hi Guys, Thank you all for your advice and support. I have now taken my head out of the sand, made the calls I was advised to make & have been given some solid, sensible advice. I have decided to go with Melanie Giles & Tina has been wonderful. She explained things in great detail & for the first ti...

Hi, I feel like I am drowning! I have been advised by good friends to enter into an IVA. They say it was the best move they ever made and I would so like to sleep at night again! I have used the IVA calculator, but am being pointed in the direction of debt management rather than IVA. My friends are ...