My meeting date has now been set - 2nd Feb, so just one and a bit more weeks of nail biting to see if my F&F offer will be accepted. I've been a bit concerned over the last few days reading posts relating to MBNA having a "say no" culture, but it seems from a couple of posts from Mel that this is only if they think they can get their money back with a DMP or repayment plan over 10 years. This isnt possible in my case as it would take me until I am approximately 130 years old to pay them back so hopefully they will be OK. They account for around 40% of my debt too so their vote will be crucial together with Natwests.
I wont be attending the meeting as Mels office is an unaffordable 420 mile round trip for me from Liverpool, but I have visions of what these meetings look like - do they all sit round a boardroom style table with those little wooden name plaques in front of them saying "MBNA", "Natwest", "Egg" etc?! [:D] And then a phone placed in front of the plaque for those that have decided not to show up? I even have thoughts about what each of the creditor reps will look like - the one from Barclaycard is particularly odious and would look like the child catcher in Chitty Chitty Bang Bang. Hopefully after the meeting, all these ridiculous visions will stop lol
Hello - When my meeting was set up for my IVA - it was mainly a date set for all the creditors to reply Yes or No to the agreement. And I was also told they don't usually attend a meeting as such - they either reply by fax or phone.
So dont worry about what they look like or the fact that you cant be there. From what I have heard from this site Melanie's team are a Brilliant Team & fingers crossed they will come through for you - good luck!
Final IVA payment made in April 2013, never ever thought we could do it or get through it but we did! X
An IVA.co.uk Mentor is someone sharing from their experiences of dealing with debt
I don't know of anyone who has attended the meeting. I just sat by the phone willing it to ring with good news!
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
Creditors meetings in my office tend to be me, cup of coffee and a few Jaffas - although not too many as I am supposed to be on a diet!
In all seriousness creditors rarely turn up, and that is why I took the view about two years ago not to drag my clients along - as all voting is done by post or fax, and so long as we can contact our clients on the day by phone and e-mail to agree any creditor modifications, then this is generally acceptable.
Some of my more local clients do come along, and that is always welcomed because then I have someone to talk to as well!!
Last edited by MelanieGiles on Fri Jan 23, 2009 10:35 pm, edited 1 time in total.
