Hi, I just wondered if you are in an IVA agreement, are you allowed to put money aside for a holiday or would it be frowned upon by the IP?

Hi, I just wondered out of curiosity whether in an IVA agreement there are any allowances for saving money?

Any news on the meeting, I'm a new member and would love to come.

Hi amy. Just saw your site on the frugal friends map, I'm from the south wales area, so if you ever want to post to me Id be delighted, its great to be able to support each other!

Hi Jon, so glad that you've found this site, you will have plenty of support. I'm currently proceeding with an IVA application which I know is of no help to you, but ..... you will find a way around this, my IP is Melanie Giles who has come well recommended on this site. I believe Mel deals with all...

I'm so glad I found this site, everyone has been so lovely and supportive. In reply to Vicki's question, the reason we're contacting our creditors is because we thought we should out of courtesy. It does say on most of our creditors statements/correspondence, if you have a problem please talk to us ...

Firstly apologies to Freelili, my intention wasn't to scare forum members, I'm just panicking and a bit distressed. Thank you all for your comments and support. I've spoken to Melanie's team and it appears that MBNA reps are on commission to retrieve money from debtors. With that in mind I'll try to...

Message for Fifi, please tell your husband not to contact MBNA if you don't want to ruin your night!! As predicted following my own conversation with MBNA this morning, my husband telephoned them this afternoon as he also has an account, again the representatives attitude was appalling, he commented...

Thanks Mel for the advice. The majority of documentation has been sent to Melanie and I'm e mailing copy letters to creditors as I'm dealing with them. One thing has alarmed me, is it true that CCCS don't recommend IVA's and if so, why wouldn't they?

Starting the ball rolling this week with our application for an IVA, with Melanie and her team, and up until now things haven't been too bad. Spoke to Barclays and Egg last night who were very understanding, then ..... aaaargggh! had the pleasure of speaking to a lovely gentleman from MBNA this morn...

Message for Fifi. You made me smile when you mentioned Lidls as I feel exactly the same! I'm a Tesco/Asda girl but have already mentioned to Tina, Melanie's colleague that I'll be giving Lidls a try to reduce the monthly spend. The problem with Tesco is I go in with the intention of spending say £50...

Thanks for all your messages of support, especially to Fifelebonbon who's on the starting block also! Your comments about the creditors response is really reassuring, hope they're as nice to us! Please keep posting with your progress and I will do likewise. How are you managing with Christmas? Thank...

Well, we've started the ball rolling, sent the majority of info to Melanie today and now await the barrage of letters and phone calls from our creditors. Feeling really anxious and nervous, is there anyone else on the forum who's just commencing their IVA, we would appreciate comments from anyone el...

Hi all. Just wanted to let you know that I've just received the call that Melanie is taking on our IVC case! I'm so relieved, its been such a nail biting week for myself and my husband, I feared it would be suggested we go down the bankruptcy route. I've felt such a nuisance constanting calling Mela...

Hi all. Just wanted to say how pleased and relieved I am to have found this site. I took the step today and contacted Melanie's team, I have an appointment tomorrow with Tina who on speaking to this evening, found her so understanding and sympathetic. Its such a weight off my mind, I wish I'd made t...