Thanks for your reply, Melanie. So I may be being told some porkies?

The breakdown of my debt is as follows:

Egg £3000
First Direct £4985
MBNA £9370
SLC £6295
Tesco Personal Finance £21,540.

So as it stands, the power is in their hands, as it were.

Hi Melanie, I am using Payplan, who so far have been excellent. According to them, I have so far had votes in favour from Egg, HSBC and Eversheads(on behalf of MBNA). The only no so far was from the Student Loan Company. I have been told that I don't need to worry as they should have a vote from KPM...

Hi, I have entered into an IVA, and so far the creditors meeting has been adjourned twice, as one of my creditors hasn't bothered to vote! Twice! The uncast vote was by KPMG on behalf of RBS, and is doubly annoying as I currently have 73.9% of the votes voting in favour of my proposal. Kpmg have "pr...