since then , yes my creditors have barraged me with letters and phonecalls (which to be honest were mostly credit dialling calls from an automated service)...and from initial calls into Melanie team and Melanie herself right up to my creditors meeting today which was a IVA accept has been completely painless.....
i must admit its a rough journey, and parts of my personal life have collapsed..but....my IVA is now accpeted and the journey of paying something back to years of confusion and madness is under way.
i cannot....thank Melanie and her team enough. especially Tina initially and Clare for making the process seamless...
if you are tentative about taking the first steps..do it. you wont regret it.
Stayed tuned into the forum - even 2 yrs in I still learn from it and it is such a useful tool when things start to go wrong..... enjoy tonight and celebrate a little - debt free life on it's way !
I very much look forward to working with you over the forthcoming years, and if you need to speak to me at any time you know where I am.
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