hi can any 1 tell me how thes vote

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donna_

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Post by donna_ » Sat Aug 04, 2007 11:09 pm
hi can any 1 tell me how thes vote
mbna
hfc
barckles
n wide
cap 1
newlook
ge money
next catalog
adams credit card
tsb
segma bank
ltllewoods
natwest
dp
marbuls
mark and spensers
monument
mint
gold fish
provadent
 
 

iva_squirrel

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Post by iva_squirrel » Sun Aug 05, 2007 9:01 am
Hi Donna,

Welcome to the forum.

Most of the creditors you've listed are in favor of an IVA.

If you are owed money by someone and they ask for time to pay it, wouldn’t you probably agree? Now, if they said that they had a problem and they want to pay you say 25p in the £1 or they will have to go bankrupt and you would get 0p in the £1, wouldn’t you also agree to that as the alternative is nothing?


Could you tell us how myuch your debt is and how much you owe to MBNA?

Kind regards,


Julia Simavi

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hara

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Post by hara » Sun Aug 05, 2007 9:14 am
A logical thinking and explanation.

Hara.
 
 

poppy

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Post by poppy » Sun Aug 05, 2007 11:45 am
Hi Donna

MBNA voted yes for me and Barclays and Lloyds TSB didn't vote.
 
 

Skippy

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Post by Skippy » Sun Aug 05, 2007 1:56 pm
MBNA and Next Directory didn't vote at my creditors' meeting, Natwest voted yes and Littlewoods are a pain in the bum! They didn't vote and still contact me even now I'm BR - I wouldn't mind but I only owed them £80!

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aguise

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Post by aguise » Sun Aug 05, 2007 2:45 pm
Hi there Mbna said yes to hubby no to me , tsb didnt vote though largest creditor, natwest 2nd largest didnt vote either.
Hope that helps

Ang

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iva experts

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Post by iva experts » Mon Aug 06, 2007 1:42 pm
Hi Donna,

The creditors you have mentioned are generally excepting of IVA's (excluding MBNA, as at the moment it is a complete lottery).

Out of the creditors you have listed 4 use KPMG a company who vote on the creditors behalf. Those creditors are MBNA, Monument, Lloyds TSB and Nationwide.

Best Regards. IVA Experts
Last edited by iva experts on Mon Aug 06, 2007 1:43 pm, edited 1 time in total.
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Oliver

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Post by Oliver » Mon Aug 06, 2007 2:46 pm
All the creditors mentioned above have historically been open to IVA proposals.

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Oliver

Thomas Charles and Co Ltd.
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s.b

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Post by s.b » Mon Aug 06, 2007 3:31 pm
MBNA refused me with a £5,000 debt and paying back 66p in the pound
 
 

Oliver

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Post by Oliver » Mon Aug 06, 2007 3:32 pm
Did your IP have any feedback from MBNA as to why they voted no.

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Oliver

Thomas Charles and Co Ltd.
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aguise

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Post by aguise » Mon Aug 06, 2007 4:10 pm
Hi Oliver
The only difference between me and my hubbys mbna was that his had been sold on or at least given to another company to vote on their behalf and mine wasnt he got yes and I got no, neither were behind up to the iva and both had only minimum payments , that seemed to be the only difference

Ang

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Oliver

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Post by Oliver » Mon Aug 06, 2007 4:13 pm
Thanks for that. This inconsistency just highlights one of the most frustrating things about the IVA industry.

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Oliver

Thomas Charles and Co Ltd.
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aguise

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Post by aguise » Mon Aug 06, 2007 4:16 pm
What seems daft is that surely the same person dealt with the proposal as it was a joint as such so one for the two of us and yet his was sent on and mine wasnt.

Ang

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Oliver

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Post by Oliver » Mon Aug 06, 2007 4:17 pm
I think it all stems from the fact that his debt was sold on and therefore another company made the decision on his proposal.



Best Regards
Oliver

Thomas Charles and Co Ltd.
Experts in personal debt solutions.
Read customer feedback at: www.thomascharles.com/about_us.asp
Best Regards
Oliver
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