Hello, We have just recently had our IVA approved with Melanie's team and NR were our main creditor, we too had no equity but couldn't go bankrupt due to our employment status. It wasn't straightforward and everyone's case is different but I would definitely recommend getting advice from Melanie's t...

Congratulations!! Really happy for you. We too had our joint IVA approved with similar debts to yours on Monday with the help of Melanie's team. The wonderful Hywel worked wonders for us on the day too!! It really is a great feeling of relief knowing that you are on a debt free path, it is still sin...

Good luck to you too with your IVA Billy1010...you really couldn't be in better hands. Thanks also to everyone for all your kind words, it really is comforting to know we are not alone. I don't know what we would have done without this forum. I have been reading some of the blogs and the journeys so...

Me and hubby had our creditor's meeting yesterday and we are over the moon that our joint IVA has been approved. Just wanted to say a BIG thank you to Melanie, Hywel, Angela and Tina who helped us through the whole process, they really have been great, so professional and non judgemental and I highl...

[:D]Hi from me!! Newbie too, first post yesterday after months of reading and taking comfort from the fact that we are not alone.

Love the joke!! The opening ceremony was jaw dropping stuff, would be great if London could top that but not holding out much hope. Really hope I am proved wrong!!

I agree, definately tell her. I am currently expecting and with what we are going through at the moment, one of the lessons we will be teaching this little one is to steer clear of debt. I wish that I had been given this advice and wouldn't wish this on anyone. You are doing a very brave thing facin...

6 years is definately better than a potential of lifetime debt, one year more really won't make a difference when you look at it that way. We were looking at around 20 years of paying off unsecured debt, assuming we didn't get into even more debt. We too are in the process of putting a proposal forw...

Thanks everyone for all your support, this forum has really been a God send and helped us on our way to sorting out our problems. Baba is due in November and we don't know what we are having, leaving it as BIG surprise. Until we decided on an IVA I was stressing BIG time, now we are doing something ...

Thanks Melanie, I will definately keep posting on the progress and hope and pray it will be good news. The creditors are really putting the pressure on and using all sorts of tactics to try and talk to us. It will be such a relief to have it all stop and we can finally look forward to the birth of t...

Hello, I have finally plucked up the courage to post on here. After reading loads of postings and taking bundles of advice (and comfort) from the postings I thought it was time I should post Myself. I am a former head buried in the sand debtor and as we are expecting a baby later this year thought w...