My mistake Mel, - I shouldn't have wrote that how it sounded, Marc was kind enough to take the time to explain on the phone at the time about every modification. I know the modification about Cat 2 dispersement charges is there, but I would struggle to re-explain what it means now in a post without ...

Just in case anybody is interested in the numbers (i've rounded some of them off): HSBC Bank 1.8k HSBC Credit Card 4.5k HM Revenue & Customs 7k Virgin Credit Card (MBNA) £500 Natwest 2k Natwest £100 Natwest Credit Card 5.8k Natwest Credit Card 1k Natwest Loan £14k Santander Credit Card 3.2k Santande...

I've been away from the forum for a little while. After being ill for some time, I thought it was down to the stress of the debt situation so i took a bit of time away the forums to clear my head instead of obsessivly reading every post trying to work out what my own outcome would be, but the illnes...

Good luck both !

I'm running a little behind you guys in the process now, as I had to find a new accountant to bring our books up to date.

Best of luck, Will keep everything crossed for you !

Wow! - Thank you soooo much, - I've never won anything before. Well pleased,

This blogging idea is really good. - It Really helps clear your head!

I'm nearly at my IVA Proposal stage, and have not had a pay a penny upfront. I'm with Vincent Bond, and Melanie Giles as my IP. Have a chat with a few different companies, - See who you get on with, and check out reviews for the company before going with them. That's what I did, and it's working wel...

I think csv files are fine. - I submitted csv files to Vincent Bond and Melanie's company, and I havn't had anything back yet saying they weren't ok with it, but you might want to call and double check to be on the safe side.

Hi Deb & Greg,

Welcome to the Forum!

Good luck with the F&F. I'm sure you'll be fine with Mel's Team.

Natwest were equally as nice to me this week when I contacted them explaining my situation too. It took me ages to pluck up the courage to call them, afterwards it was a big relief!

Hi Charlygirl, Welcome to the Forum. Don't worry about wasting anybodys time, - I'm sure nobody thinks that. From what I can gather, - The professionals all seem to know each other on a friendly personal level too, so it's quite normal to speak to a few different companies, They all have your best i...

Good Luck from us too Abbiesmum,

Our first chat with Marc today also ! Really nice guy

Good luck for 24th, - We're a few weeks behind ya and also with Mel, Spoke to Marc for the first time today, top guy.

Done! - Happy Blogging Everyone !

Sounds good, - Is this something for everyone, or is it the expert blogs? - Where are they? how do we set one up? and what are the rules for the content ?

Hi Charlotte, I didn't understand we couldn't say who we would avoid, so i'll not go into that one. With who to recommend though. - I'm a just a few weeks into my IVA journey, I contacted Vincent Bond to start off with, who have been brilliant, and were happy to talk about any of the options I wante...