Clarbare I will tell you who Melanie is - she is, in my view, a pre-eminent IP who does not go the extra mile for clients but rather runs the marathon for them - she puts their interests and thos of their families first. 7/8 coys, most of whom told me rubbish, but more importantly said I would never...

Melanie I don't wish to be controversial but you would be amazed (and then perhaps you would not) if you knew some of the rubbish I was told - TG I found your firm

I know - one of us has got to win it!!!!!!!!!!!!!!!!!!!!!!!!!!

Too true!!!!!!!!!!!!1

If anyone wants a laugh re pay increases - I have just been notified of an enormous (!!) increase - £3:62 per month - will take me a few thousand years to get rich on that!!!!!!!!!!!!!!

Many congratulations to you and to Melanie

If is of any help to you I went to 7/8 coys - all by the way said "no chance" - I found Melanie Giles who took me on board and obtained approval for my IVA at first attemp; after service from her coy is also excellent. You need to feel comfortable with whom you finally choose - that is important

good luck- please let us know how you get along

In the North East bairstow eves do not- they may have the same policy throughout theuk

Re telephone calls - one of my creditors telephoned 29 times in one day -a call centre yet at the end of the day that creditor did their best to help and supported my IVA! Crazy world some of them live in - the calls will stop - just hang in.

Hello Tina - must not hog this post - just to tell you your name is still mentioned with great fondness in our house. So pleased you are comming on here. D

GOOD MORNING - I cannot unswer your question as I am not a technical expert but I do feel you should take advice from an IP as soon as possible before your situation gets any worse. You will find a list of IPs on www.iva.com and you will receive free initial advice. I can recommend Melanie Giles who...

I got it right - my wife is the only one Max allows to cuddle him - Henry enjoys them though from anyone

Just done it!

Don't worry Skippy you will not be let down by Petplan - if your Vet does not have the computer based payments system he can always invoice them direct by post - in other words you may not have to pay up front. Henry has had his "Skippy hug" just before I typed this!