www.iva.co.uk

Hi

We have finally decided that an IVA is probably our only choice (even though I am very worried by the new secured lending protocol IVA's) and would really like to go with Melanie Giles.

Im wondering if she is part of PJG recovery or somebody else.

Not that it matters its just that I want to contact the correct place.

Many Thanks, Bob

Hi Bob and welcome

Yes PJG Recovery is Mel's company

Regards

Hi Bob and welcome to the forum

PJG Recovery is Melanie's company and we would be delighted to advise you on your options.

Have you sought advice yet?

You won't go wrong in approaching Mel's company.

If in doubt though look at www.iva.com for a range of other providers who will equally give you the advice you are looking for.

Hi Bob - yes I am the G bit of PJG, and am a 50% owner of the company. We'd be delighted to assist you in choosing the right debt solution, and I look forward to chatting with you in due course.

Thanks Melanie & Kelly,

I have just been reading some good news posts where people have come to the end of their IVA...I must admit im a bit jealous.

It seems such a long road ahead but I got myself into this mess so I must stand up and take it, I just hope I have my family and home left intact come the end of it.

I have stopped spending on all of my cards, even my overdraft but a few direct debits came out before I could cancel and that has left us in a bit of a pickle so it will be a tough 10 days till payday foodwise but as long as the children get fed im sure we will manage.

Thanks again Melanie and Kelly for helping me and fingers crossed the IVA will be accepted.

desperate bob. I am with Melanie's company. Believe me if you choose to go with them you will be calling yourself just bob when they have weaved their magic and got a solution in place for you. And you are right there is always a bit of 'I wish it was me' when you read of someone completing their IVA but you won't believe how time flies. I find it amazing that we - my wife has an IVA too -will be making my 16th payments this month.

Good luck to you Bob

It does go quickly and once everything is sorted it does get a bit easier and you do feel better in yourself.

I probably have another year to do but feel there is light at the end of the tunnel.

I was with Melanie during my IVA and now a year post IVA don't regret my decision for one minute.
Good luck it may seem a long road ahead but you will get there x

Hi Bob
Time goes quickly, I'm not with Mel's company but if I had found this site before doing mine would have certainly got in touch with her, she spends a lot of her time giving advice on the site not only to her own clients but everybody. Good luck on your journey

I'm with Sue Clay at PJG, I would and have recommended her to others

Martin

Hi bob , the years will soon fly by once you've started . It's a great achievement once you've completed .
Stay strong and think of it as 60 payment to be debt free

I did not find this forum until after I d started my IVA either but if I had I would have chosen Melanie and her team to.

Bob, I have gone through IVA and Full and Final with Mel and her team.
You will be making a sound choice if you pick PJG.
Carrie

Mel and everybody at PJG I have dealt with in the 1st year of our IVA have been fantastic. Good luck with your journey you are in very safe hands