www.iva.co.uk

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

Good luck for 2nd Feb.

I've never heard about any creditors attending a meeting - as far as I know it's all done by post or fax.

BTW I think the one from MBNA would look more like the child catcher!

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!

Good luck from me as well.

I don't know of anyone who has attended the meeting. I just sat by the phone willing it to ring with good news!

good luck from me to hope goe ok for you[:)]

Hey good luck hon!! Thinking of you and am sure in Mel's capable hands all will be sorted! xx

Good luck UTMN hun.
youve got the most wonderful ip helping you. i wanna see you saying YIPPEE very soon xx[:p]

Thanks for all your kind wishes will keep you "posted" - no pun intended [;)]

good luck...!

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!!

Good luck UpToMyNeck, you're in safe hands. X