thank you, i suppose we just have to keep everything crossed that it all turns out ok.

Thank youx

i have actually rang First Plus and logged a complaint as i didn't feel we had been properly explained to about the PPI and wasn't aware it would be that much. They are going to investigate this and get back to us.

Thanks melanie, the thing is though the reason i had to ring them was because we have sent all our paperwork back to your team (ie bank statements and everything else), but becuase we hadn't heard anything from First Plus, eventhough the house was sold by the Halifax months ago, this was one of the ...

HI everyone. Well i am feeling like we have taken 100 steps back. We are currently going through the process of setting an IVA up with Melanie and her team. However, the major creditor is First Plus due to a huge shortfall from a house repossesion last summer. We assumed that we would owe a lot less...

Yippeeee!!!! I know it is only another tiny step on a ladder to success, but Melanie and her team have agreed to put us forward for an IVA. I know we have a long way to go, but the hardest bit is over admitting that we need help.!!!!! Thanks everyone for your lovely support. Honestly, this forum is ...

Hi everyone. I am soooooo nervous to hear about whether or not Melanie and her team will take our case on for IVA. I have chewed my once long fingernails with anticipation. Arggggghhhhh!!!! I am sure things will be ok, but i am knotted up. Does anyone know how long this part of the process takes? xx

Hi everyone, i did just post an update but don't know where it went. Thank you to everyone who has sent supportive replies to my last post, you are all fab and i really appreciate it. I have spoken to Tine and she really is one of the nicest ladies i have ever spoken to and i really do mean that. Sh...

Hi everyone, i am going to have a moan!!! I was so upbeat yesterday and am waiting for Tina to call me from Melanie's office to see if IVA is suitable. This morning, i have had a debt collection company call me to pay some money as a certain rubbish bank have sold our debt onto them. Anyway, i didn'...

hi, thanks for your kind comments. I wish i had found this site a long time ago, but no looking back now only forward. Just hope that the IVA is an option for us and if so that it is agreed and works out but we have to take one tiny step at a time. It is just a relief to know that we are not on our ...

Hi everyone. Just need to share my story. Although i have only spoken to a representative today from the Melanie Giles website regarding going ahead with an IVA, i feel so reassured already. I have a telephone appt arranged for tomorrow for 11am to assess whether an IVA is suitable for myself and my...