Lloyds and HBOS

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stev0

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Post by stev0 » Sun Oct 10, 2010 9:19 pm
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are they regarded as one creditor or 2? also over 25% of my debt is with halifax, are they a difficult company when proposing an iva?
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kallis3

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Post by kallis3 » Sun Oct 10, 2010 10:06 pm
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I think they are two seperate creditors and Halifax are ok I think. They were one of my creditors and I had no problems.
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
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stev0

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Post by stev0 » Sun Oct 10, 2010 10:15 pm
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thanks Kallis
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MelanieGiles

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Post by MelanieGiles » Sun Oct 10, 2010 10:30 pm
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Kallis is correct - this is treated as two separate creditors, and they will vote accordingly.
Regards, Melanie Giles, Insolvency Practitioner
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sg6646

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Post by sg6646 » Mon Oct 11, 2010 6:38 am
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Hi Stevo,
I had both HBOS and Lloyds debt and they were treated as seperate creditors. HBOS had around 45% of the debt and voted in favour, no phone calls off them for either CC OD or loan once they knew I was proposing an IVA and were great really. LLoyds never turned up to vote and still ring now and again asking for money, idiots!! That was my experience anyway.
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