LLoyds tsb and IVas

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kiki

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Post by kiki » Mon Jun 30, 2008 3:46 pm
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can anyone tell me are lloyds tsb known for rejecting ivas? i have read a few things about them recently and they seem like they refuse an awful lot of ivas, i have about 50% of my debt with them :(
has anyone out there had ivas with lloyds as creditors and had them approved?

thanks x
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plasticdaft

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Post by plasticdaft » Mon Jun 30, 2008 3:54 pm
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Cant answer you but I have lloydstsb as my main creditor in my trust deed and will find out next week if it gets protected(goes ahead or not). Fingers crossed.
Discharged today the 8th feb 2012. View is much brighter now.
Continuing to rebuild our credit worthiness.
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aguise

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Post by aguise » Mon Jun 30, 2008 3:57 pm
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Hi there. lloyds was my main creditor and the iva was accepted. I think they are very accepting of iva's if it is a good proposal and sensible solution. Try not to worry.

Ang
Please visit my blog at http://aguise.blogs.iva.co.uk/
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kiki

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Post by kiki » Mon Jun 30, 2008 3:58 pm
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thanks im mega stressed at the moment, sent my draft proposal back today i am offering 44p/£ just very concerned about lloyds!
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kallis3

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Post by kallis3 » Mon Jun 30, 2008 4:01 pm
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44p in the pound sounds a good proposal to me.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
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aguise

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Post by aguise » Mon Jun 30, 2008 6:07 pm
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That sounds like a good offer to me also. All the best.
Keep us posted.

Ang
Please visit my blog at http://aguise.blogs.iva.co.uk/
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MelanieGiles

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Post by MelanieGiles » Mon Jun 30, 2008 7:38 pm
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Lloyds are one of the most supportive creditors with regard to their insolvent customers and, so long as you have put the best offer forward, there ought to be no problem in getting your IVA accepted.

Do let us know how you get on.
Regards, Melanie Giles, Insolvency Practitioner
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Lisa2009

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Post by Lisa2009 » Mon Jun 30, 2008 8:30 pm
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Lloyds wre hubby's biggest creditor and they accepted his holding about 60% of the debt.
They accepted 28p/£
http://mrsskint.blogs.iva.co.uk/ 'Our Story'


Nil carborundum illegitimi
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kiki

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Post by kiki » Mon Jun 30, 2008 8:57 pm
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thanks, i have an overdraft, credit card and loan with lloyds totalling to about 10,500 (about 40% of my debt) thats why im worrying myself to death!! :(
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angela18

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Post by angela18 » Mon Jun 30, 2008 9:02 pm
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hubbys main creditor was lloydstsb and his was approved
Ang.. 13 payments in.. WOW, thats over 20% paid!! http://angela18.blogs.iva.co.uk/ well here we go

if you wish for a rainbow... then you have to put up with the rain xx
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Moneystinks

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Post by Moneystinks » Mon Jun 30, 2008 11:47 pm
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Hey Plasticdaft I hope yours gets approved.

Kiki, your offer sounds really good I'm sure you will be fine.
Good luck. X
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olympic_torch

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Post by olympic_torch » Thu Jul 03, 2008 8:26 pm
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We owed Lloyds TSB the equivalent of the national debt of a small African country, and they voted yes to our IVA.
In fact, they have still not submitted a claim for our joint overdraft, 14 payments in, which has currently pushed up our dividend from 38p to 40p.
Aucto Splendore Resurgo.
IVA accepted May 2007.
Extended by 12 months in lieu of equity March 2012.
F+F offer accepted May 2012.
C of C received August 2012.
IVA dropped off credit file 24th May 2013.
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greeneyes34

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Post by greeneyes34 » Mon Jul 07, 2008 2:04 pm
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Lloyds TSB didn't actually bother to vote on mine, they were the only ones who didn't.
good luck, I'm sure it will be fine. x
Full and Final agreed 28th October 2010.
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kallis3

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Post by kallis3 » Mon Jul 07, 2008 2:06 pm
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I owed just over £2000 to Lloyds TSB, they were one of my smallest creditors and they voted no!
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
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nolongeranxious

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Post by nolongeranxious » Tue Jul 15, 2008 6:44 pm
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i think it depends on the individual case. i had the 'dreaded' NR as my biggest creditor and had heard horror stories.... they didnt vote on mine!If you have put the best case forward, then i'm think it should go through.
Regret not the things you have done but the things you have not done... learn from mistakes, drawn a line, move on.
A brave person is one who admits and faces up to a negative situation, seeks help and works things through....
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