So, yes!

I've been approved.

Updraft voted yes 8k
Zopa yes £150
Capital one yes £700
Vanquis yes £200

Amex didn't vote £1k
Natwest didn't vote £11k
Aqua didn't vote £1.6 k

Thanks everyone for the support!

Hey everyone.

My creditors meeting is tomorrow 1pm, i will give them a call around 3 pm to see if there's any news.

Everyone wish me luck please

So I've spoken to them this morning, seems like the only vote that's come through at this point is zopa(yes) which uses the same representative as Aqua marbles and up to the guy I spoke to that most certainly means that aqua won't be voting. Zopa is my smallest creditor (£150) and the guy said if no...

Hi, so meeting is next wednesday and obviously coulnd't wait any longer without having news so i went ahead and called creditfix. The guy on the phone as usual reassured that they wouldn't of put it forward if they weren't confident it was gonna be accepted. He also told to try call again tomorrow c...

Wed Dec 15, 2021 3:50 pmkallis3 wrote:

Hopefully it will go your way - you're just going to have to wait and see and I have everything crossed for you.

Thank you so much, I really appreciate the people on this forum.

It will all depend on the creditors who vote on the day. Do any of your other creditors hold 75% of the debt? If updraft does not vote then natwest will hold 75.40% of the vote apparently. Other debts are small compared to the loans. Got 1k with Amex, 1.5k with Aqua, 700 with capital one, 200 zopa,...

Wed Dec 15, 2021 1:10 pmkallis3 wrote:

If they don't vote and your IVA goes through they are bound by it anyway. What percentage do they hold?

Round about 34%

Has anyone had any experience with updraft before?

Giraffe.money told me they never vote but I don't know how valid is that as information.

Anyone could shed some light on it?

Tue Dec 14, 2021 8:29 pmkallis3 wrote:

They have until the 29th and do sometimes vote beforehand - you can ask your IP to let you know if anyone voted and they may tell you.

Is it worth a shot or they just gonna dismiss me and say they can't disclose that?

You're not spamming and are right to be concerned. It does happen with some IP's but no idea how this will affect you. In his proposal he does mention that he has regular dealings with the main creditors and the proposal respects their parameters. Oh god I wish I could just fast forward to the 29th...

Sorry for the spamming, just checked that my supervisor is David Rankin and after googling him a bit I saw that he has has multiple sanctions over the past years. Is that to be expected for IPs?

I've done some research and calculations and I have seen that updraft don't usually vote. If that's the case, at the meeting natwest would hold 75.40% of the vote. So only technically need a vote from them for it to go ahead, am I right?

Tue Dec 14, 2021 5:21 amluluj wrote:

Just wanted to wish you the very best for your creditors meeting- here's hoping you are able to move forwards in the new year.

Thank you so much!

Spent until 2 last night looking up similar cases on the forum.
29th can't come soon enough.

I own a motorbike which is my mean of transport and I use it a my mean of transport. I rent at the moment but also paying something back to the creditors is the least I could do i think . I completely agree -- when I entered my IVA the easier option, at the time, would have been bankruptcy, but I w...

I own a motorbike which is my mean of transport and I use it a my mean of transport. I rent at the moment but also paying something back to the creditors is the least I could do i think.