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Hi all
Well another year is nearly over and once again it is time to relax and enjoy a Xmas break.
It's been another very busy year for the forum thanks to the excellent postings from a diverse forum membership.Hopefully we have helped and supported many people on their roller coaster journey as they address and deal with their debt problems.
We continue to be the leading site for help and support regading all aspects of debt because the site is totally non judgemental and unbiased.
Many thanks to all that have posted, a special thank you to all the moderators that look after the site and a special mention for Sally in admin, without you the forum would simply become a free for all.
A warm thank you to our recent professional expert additions, David Mond, Liberta [Elizabeth Pywowarczuk] and Michael Peoples.
Finally a big thank you to the backbone of this forum, the lovely Melanie Giles. Without Mels tireless input we would not be where we are today.
Have a great Xmas everyone and remember that family is the most important thing in life, far more important than debt ever will be.
Kind Regards

And a Merry Christmas to you and your family as well Andy.

Thank you for those words Andy - but the real star of this forum is yourself for all of the time you put into helping real people through their financial difficulties.

Posters see you as inspirational, as you have actually followed the same journey as them, and this is far more useful than any of the technical or professional support I and the others can provide.

A very Merry Christmas to you, Bev and the family, and a Happy New Year. (And not too much work in between!!!)

Merry christmas to you and your family Andy. You're a star on this forum and deserve all the happiness in the world. Take it easy in the new year eh?![;)] X

Merry Christmas Andy, Bev and family[:)]
Have a good one.

Merry Christmas Andy,Bev and Family from me too...Hope you have a lovely,relaxing Xmas break..[:)]xx

Merry christmas Andy and family,and all the very best for 2009.xx

Merry Christmas to each and all x

Merry Christmas and Happy New Year Andy, Bev and family xxx

Nadolig Llawen a Blwyddyn Newydd Dda xx

And a very peaceful Christmas and a healthy, happy and prosperous new year from me too.

I haven't been around much of late due to other work commitments ... but I just wanted you all to know that my thoughts are often with those I count as my friends here on the Forum.

My thoughts are with everyone.

Debbie

Best wishes Andy, Bev and family from Jon, me and kids xxxxx

All the very best to you, Andy, and all members of the forum.

Ian

Merry Christmas to you and your family as well Ian.

Merry xmas to you Andy and thanks for your tireless work on this forum which has been a lifeline in the past few weeks to myself and I am sure many like me.

Wishing everyone a peaceful christmas and happy new year.