Nervous about creditors meeting

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Hultonlady19

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Post by Hultonlady19 » Mon Jul 01, 2019 5:47 pm
Only a week until my creditors meeting and so far I’ve had no calls or letters from my creditors - most likely because they were up to date. MBNA have stopped access to my online account and the payday loans have frozen my account under their breathing space policy, I’m really worried it’s going to be a no - I assume Aperture wouldn’t have put it through though if they don’t think it has a remote chance ? Anyone had experience with Natwest, everyday loans / credit union / barclaycard / creation finance ? Really don’t know what to do if it’s a no - debt management is a consideration but I’m really worried that this won’t stop ccjs etc

kallis3

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Post by kallis3 » Mon Jul 01, 2019 5:47 pm
I think you will be ok.
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

Hultonlady19

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Post by Hultonlady19 » Mon Jul 01, 2019 5:51 pm
Thanks kallis- if they want modifications extra payment or time added etc will the nominee ring me so I can agree rather than delaying it for my answer, I’ve booked the day off so I’m available if they need me but so far I’ve heard nothing I assume this is normal - not to hear from them until the actual creditors meeting ?

Foggy

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Post by Foggy » Mon Jul 01, 2019 5:56 pm
Usually / traditionally if any modifications are proposed which you need to agree to, they ring during the "meeting" and you say yes or no.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014

Hultonlady19

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Post by Hultonlady19 » Sun Jul 07, 2019 12:21 pm
Creditors meeting tomorrow don’t know what time - Aperture haven’t asked me for anything nor am I aware of any pre votes yet. Very nervous 😥 cross your toes for me !!

Foggy

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Post by Foggy » Sun Jul 07, 2019 12:32 pm
Everything is crossed ( eys included) -- Good luck !
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014

kallis3

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Post by kallis3 » Sun Jul 07, 2019 4:46 pm
Everything crossed!
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

Allywally

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Post by Allywally » Sun Jul 07, 2019 6:48 pm
I have to admit this was one of the worst days of my life! But the feeling when it was accepted was amazing. Good luck hope you don't wait too long for a response.

luluj

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Post by luluj » Sun Jul 07, 2019 8:15 pm
Have got everything crossed for you. Hopefully when I log on tomorrow night you will be receiving messages of congratulations! Try and stay busy tomorrow
Sharing from experiences of dealing with debt

There is a solution for everyone .... Just need to stay positive !

Look at my blog "All I wanted was a baby"

Hultonlady19

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Post by Hultonlady19 » Sun Jul 07, 2019 9:18 pm
Thank you everyone I’m a wreck will let you know how I get on x

kallis3

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Post by kallis3 » Mon Jul 08, 2019 8:10 am
I'm sure you will be fine.
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

Hultonlady19

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Joined: Thu Jun 20, 2019 9:16 pm

Post by Hultonlady19 » Mon Jul 08, 2019 12:07 pm
No news yet had a text first thing saying make sure you are available but no time for the meeting argghhh

kallis3

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Post by kallis3 » Mon Jul 08, 2019 1:03 pm
I hope you hear something soon.
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

Hultonlady19

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Joined: Thu Jun 20, 2019 9:16 pm

Post by Hultonlady19 » Mon Jul 08, 2019 3:02 pm
Still nothing !!!! Rang Aperture and it’s Ireland that answer so they tried Manchester but engaged said they can’t tell me any result from their offices so I will have to wait for Manchester to ring me so frustrating 😞

kallis3

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Post by kallis3 » Mon Jul 08, 2019 3:10 pm
A lot of companies are bad at letting you know straightaway. It's not good and they should realise how stressing this is.
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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