My whole career there is so messed up! I nearly took them to court 2 years ago. Anyway I don't mind if hey pay me fairly. If I made an offer of 10k if my dad can help would this be too low as was supposed to pay 14k back plus I have a home which the valued as having 10k in but I wold never have been...

Money debt and credit. Have not told them yet i am about 6 weeks pregnant but only just found out a week ago! To be honest I have been through hell over the last 8 years with my work and one of the reasons I got into debt was because it was so stressful I used to gamble. They had always told me if I...

Thanks. What if I make them an offer and they accept and then a few months down the line I get a redunduncy payout which is more than what I offered them.? If for example my work decided to pay me 30k redunduncy and I had not already settled with creditors would they take the whole 28k off me consid...

I had my Iva approved on may 16 and have just found out I am pregnant and scared to tell them. I am not looking for reduced payments. What I need advice on is if creditors would accept a final settlement. A family member may be willing to lend me some money. My total debt was 28 k and the amount I a...

Hi rich how did nationwide vote at your creditors meeting?

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by Rich Hi DJW I also three counts with Nationwide also, same as you. I am a little further down the line than you. Mr creditors meeting is tomorrow. I did receive three phone calls from Nationwide, one a...

Do creditors discuss how they are going to vote? I noticed the addresses for Tesco, HSBC, and halifax are all the same for the firms that represent them. Does this mean they will also say yes or no?

have just got a select account at natwest, cheque book & debit card. Apparently it's a basic account but one step up from the other basic account as you can use all cash machines not just natwest ones. Has anyone else got this account?

I have been waiting a week for a reply from co-op bank.

Can't advise on the car thing but I was told not to make any payments but I have read about token payments. Yes make sure yu pay them all token payments if you are doing this or pay none.

Thanks kazzafunk. My proposed dividend is 25p not 40.

Yeah I was wandering about creation I have only had the card 2 months. They are the worst company I have ever dealt with, complete amateurs.

I told them all their correspondence looked like a five year old had typed it.

Really worried about payday companies. Once I paid them using my boss and boyfriends card (they spoke them authorizing this). They will try and get their money from my card and will not be able to as it is cancelled but will they try and take from cards which are not in my name. I never registered t...

Does anyone know if there are any creditors who are more likely to vote against an Iva Mine are HSBC, Halifax, nationwide, creation, Argos, barclaycard, money shop, quick quid and wonga. I've heard some. Of the payday companies don't even bother voting. I spend hours on forums and think I should sto...

I have a Halifax credit card and a creation one that I have only had for 2 months or3 is this bad as it looks like I knew I was in debt and got more. I read that creditors are not impressed if you've only opened the accounts recently.

Thanks for the advice everyone. Does anyone know if HSBC still require a 40p dividend as my Iva company proposing 25p so am worried and they will vote no and also I owe them 6100 out of 2800 and I also saw someone says one thing that if HSBC hold 25% of debt they are likely to vote against. Also pay...

Hi I am in the process of doing an Iva. I have questions relating to what I do in the meantime. The creditors meeting is on may 16 and some payments to creditors are due before so hey are starting to call. I have cancelled my debit card and d debit so payday loans can't try and get money. But I wrot...