I totally concur with your initial post fbdo. I too have benefitted from Mel and her wonderful team including Gill and Leighton (I loved speaking to him on the phone with his calming voice and lovely accent :)) My IVA began in June 2008 after an anxious few months and concluded this summer. My compl...

Hi, Silly question but does anyone know how to get rid of the annoying adverts to the right of the screen (eg Social Media, Clear your debts now and Recent Coverage which then has a list of Newspapers and quotes)??? They are preventing me from reading posts in the forums as they cover up the far rig...

Thanks guys, Luckily Melanie is my IP too so sounds like I will be ok [:)] I was concerned that it would show on my P60 if it wasn't on the wage slips and I would then be faced with a bill at the end of the year. Once the payments start coming in I'll speak to someone at Melanies office to confirm i...

Hi guys, I have been paying 50% (over my 10% allowance) of any overtime into my IVA regularly and understand how that works. However I will be doing a lot of driving for work over the next few months and will be entitled to claim my mileage back. Obviously I will have had to have forked out to put t...

Thanks Ray

Hi,

Does anyone have an address for HSBC Customer Service? I've checked my credit card statements and the internet and can only find an address for the "Service quality team" in Leeds. I'm not sure whether this is the right place to send my initial letter advising them of my IP etc?

Many thanks

Thanks guys,

I'm so glad I found this website and will be sure to share my journey on here.

Just to let you know. I recieved an email from Proffessional Standards yesterday thanking me for informing them and reassuring me that the information I disclosed to them would be held confidentially.

I feel much better now and more confident about carrying on with the IVA process.

Hi, As a serving police officer I had concerns in regards to disclosing my intention to seek an IVA at work (see previous post) Following advice from Melanie I contacted Mike Thomas at Debt Wizard and actually spoke to him today. Thanks Melanie, he was very informative. He put my fears at ease letti...

Thanks Viki. And yep loved Mama Mia too!! Must get some shut eye now.

I've seen it twice and agree. But you can't beat Miss Saigon - seen it six times and balled my eyes out every time. It's almost as sad as being in debt!!!!

Thanks again.

I'll definately let you know what he says.

I hope the theatre was good? I have a telephone appt wiv someone from your office in the morning. I'm sure I'll get some good advice there too.

Thanks Melanie (is this the real Melanie Giles tho? you must work all the hours God sends!!!)

I'll check Mike Thomas out.

Wow guys, I'm just home from a long shift and amazed and grateful to all the replies. I really am in a pickle as to whether to disclose to work or not. And at what stage? I think I will make an anonymous call to the federation in the next few days for some advice. I'm sure there must be many cops st...

Thanks guys,

Much appreciated. It's early days and quite daunting but I'm feeling much better having surfed this site and taken the first step.

Good luck for the 28th Barb!