Hi Sunny, good luck with all you do. I scanned my credit card statements, loan agreement, bank statements and payslips and emailed these scanned images, Melanie's team were able to accept this. I would imagine your situation would be the same. I feared things going missing in the post and holding up...

......deep breath....and exhale.....2 days to go to D Day - Decision Day, 11am on Friday!!

The very best of luck to you althas, hope you get the result you want.

Thanks for that elv5 and whetlor those were my exact thoughts, if only i had done this sooner i may have been finished my IVA by now or certainly well into it. Still i'm so pleased i have done it now but like you i have this feeling of nervous excitement. One moment i think if this is accepted it is...

Hello all Following a couple of posts on here and lots of research i decided i would apply for an IVA and opted for The IVA Advice Bureau and Melanie Giles' team. First of all i would like to say they have been top class with their information and really helped me feel at ease in what i found to be ...

I must say reading all of these comments is giving me a huge boost to my confidence and making me think i have made the right choice in going down this path, i will probably wish i had done it a long time ago!!

Thanks for that advice elv5, everything i have read about Melanie has been excellent and it is great to get advice from someone like you with direct experience. Wish me luck

Thankyou Melanie, as it happens i have just spoken to Tina Shortland and i am booked to have a more in depth chat with her tomorrow. Thanks in advance.

Thanks stoney, i could not go on the way i was with the constant worry but hearing things like that gives me a little boost - so pleased to hear everything is going so well for you and hope that continues

I took my first steps over the weekend contacting 2 companies, Cleardebt and IVA Advice Bureau and had a phonecall from Cleardebt this morning. I feel a whole lot better now i have spoken to someone about my situationas i have cancelled my dd payments and my health was starting to suffer, here's hop...

Hello all, not sure if i am posting in the correct area here but thought i would say hi and tell you all i took my first step over the weekend of applying for an IVA. I have agonised again and again over what to do until i realised that my problem was not just going to disappear. I have contacted Cl...

How would not making my payments affect my being accepted for an IVA? Whilst all of my payments to credit card companies and my loan are being met i am finding it difficult to make my payments such as board to my parents, daily living expenses such as food, petrol, clothing etc, a lot of this is goi...

Thanks Melanie however i am a little confused with your reply, try 2 or 3 companies? i thought that once i chose a company that i would have to stick with them or is that not the case? What sort of thing should i look out for in a company, would you be able to give me a step by step run down on what...

That is fantastic, thanks ever so much for the advice, i have been worried sick about my situation but did not know where to start. Are there any IP's you can recommend, i imagine this is an area where you have to be careful not to receive bad advice and sign up with a bad company?

I have been considering various options to help my debt problem and think an iva would suit me, one of the problems i have is my girlfriend filed for bankruptcy last year and to help her out at the time i opened a bank account in my name to get her wage paid into it, we do not live together and i do...