The chairman is running behind with the meetings - I should hear in twenty minutes.

My mind is racing now. I wonder if it will be 3.30 on the dot.

A friend has just given me a bottle of champagne as a belated birthday present (yesterday) - Lets hope I can open it with a smile later.

Less than three hours to go. If it is a negative result, can I immediately look at starting bankruptcy (eternal pessimist me)?

I'm just wondering if the current financial climate is altering the decision making in any way.

ARRGH!

My creditors meeting is at 3.30pm today - I feel like crawling back under the duvet. Cross your fingers for me guys please.

Hello all (again), I am in the process of setting up an IVA. If I am unhappy with the proposals and decide to ask another IP to look at my situation, should I let the first IP know. I don't imagine it is the same as just shopping around as they are actually doing work on my behalf before anything is...

I too opened one this week. No charges at all

I am only just applying for the IVA now. Not got to the proposal stage yet. So I wan't in one when I completed in August.

Threatening you with witholding a reference and removing areas of responsibility in the way you described is constructive dismissal. You are protected with full employment rights having worked for them for over a year. They can't make you redundant if the post still exists. If you haven't had formal...

Many thanks. I did stress, repeatedly, that I only actually completed on the mortgage in August this year. I shall remind them.

In which case, will my increased mortgage payments get taken into account at my review?

I am on a two year fixed rate with my mortgage company. At the end of the two years, if I have been approved for an IVA I suspect I am going to find it impossible to find a lender prepared to offer me a better deal.

Am I right?

I suppose I shall have to query the 'money to family' aspect again. If they stand by their decision I'll have no option but to change. At least i can have all the paperwork ready.

I really wish I'd found these forums BEFORE making that first call. Now I feel I'm back in square one