May I just add a bit. I turned to Andy when I was looking for an IP having been told by 7/8 companies that I would not get an IVA. Andy was kind and considerate and at the end of the day suggested I went to Melanie Giles - best thing he ever did.

Very pleased for you - you went to the best and it paid off!

Great news - very best wishes for your future!

I do not wish to be controversial here but before I found Melanie Giles 7/8 companies said I would not get an IVA - this, in the main, because I would not accept manipulated figures - one company even increased the Community Charge! Another told me the creditors would not accept what my Local Author...

Congratulations and all very best wishes for the future

Best of luck Molly!

Having regard to Kalli's post with which I fully agree I did, yesterday evening, show your lengthy post to the Samaritan volunteer solicitor - her advice is that you should consult and engage an IP sooner rather than later because she feels the longer you leave it the worse your situation will becom...

On 10th of January I advised you to give Melanie Giles a ring - you may have missed the post - it is above. I stand by that advice. You can read reviews about her and others on www.iva.com. You will find her very knowedgable and an IP who will put in that extra mile - believe me - Melanie will not b...

We have found EDF to be the cheapest - North East

Melanie, alot of posts I have read give the impression that people are worried about annual reviews; mine will be comming up in the not too distant future - I hope it goes smoothly - nothing to report except cost of living has gone up - partcularly petrol and food - a penalty of living in the wilds!

Fine thanks Jan - Henry saw the specialst Vet yesterday - very pleased - he will be on steroids for another month when he will be seen and tested again - but so far so good.

Jan your penultimate para worked for a Samaritan client - I told his creditors who were threatening b/r to get on with it. That was in September last year and nothing, todate, has happened. The client is in rented accom and on benefits.

Quark about your operation - an elderly lady in the lane in which I live had a faulty heart valve replaced last year - she is 83. She spent only one week in intensive care and every day she can be seen riding her bike into town to help out an eldely persons centre - even in this weather.

I showed these posts (before Melanie's comments) to our PP who uses that particular creditor for various parish accounts - he is moving the accounts tomorrow and will use these posts as his reasons. This particular priest does what he says he will do.!

Happy home life Melanie - if you have that - it is easy.