Hello

[Broke of London]

Hi Badger,

I share MBNA, Barclaycard and Egg. They didn't bother to vote.

You should be fine with 20p/£. Creditors are often happy with much less. They just need to see that you have put the best deal forward.

[luluj]

Badger - completely echo others comments. Welcome to the forum - ask as many questions as you have to to gain the peace of mind ! You will soon be on your debt free journey and before you know it debt free ! Mel comes highly regarded so I am sure you have chosen wisely !

Good luck and keep us all posted !

[Rosepetal]

Badger,hi, we had a full&final one off IVA accepted last month,our dividend was lower than 20p...we had Mel as our IP. our creditors included Egg& Barclaycard.

it would have been BR for us without Mel's help,if she could help us i'm sure she can help you, keep hope!

[badger]

thanks for all your replies, they've been really helpful.

Stewpots - was your initial offer based on expenses within the current guidlines? Did you simply have to trim these down as they wanted more?

Of course, I will ultimately trust the judgement of my IP team but its good to hear of others similar experiences

[badger]

also - when talking about a rate of return, are they generally referring the actual return after fees or is it based on the contributions?

[MRBLUESKY]

Hi badger the dividend does,nt include the fees,apart from one phone call at work which was embarassing i had no problems with creditors ,as i contacted them with token payments and kept them updated of my situation,most of them were very understanding.

[Broke of London]

I always think of the dividend as being the return to creditors after fees have been deducted.

[MelanieGiles]

It is great to have you on board Badger, and thank you for choosing my team to represent you.

[badger]

Hi Mel,

you've only got your great repretation and wise words on this forum to blame [;)]

Thanks to your team for agreeing to help me and my family

[kallis3]

You're in safe hands badger.