www.iva.co.uk

Hello all, I just wanted to thank everyone for their input to this forum, - I haven't posted before, but have been lurking for some time and have found this a really useful resource to find answers to the many questions I had about IVA's.
I've got my creditors meeting this afternoon, and keeping my fingers crossed that my proposal is approved - I've been amazed at how fast the process has all happened, - it's only been about 5 weeks since I made first contact the company I chose to use!
I'll post back later on with the outcome, my debts are (approx):

Co-op Bank: £400
Bank of Scotland: £650
HBOS: £4,500
HBOS: £11,000
HBOS: £3,200
MBNA: £4,500
Student Loans Co: £7,500

Total: Roughly £31,500

I have a forcast dividend of 36p/£, which I'm hoping will be enough for TIX who I figure are going to be the most important voter as they'll be representing over 50% of my liabilities.

Good luck for later on. Let us know how thing go. The waiting is the hardest bit!

Best of Luck for today

Best of luck Lincoln Guy. I hope it goes okay.

Thanks

Good luck Lincoln Guy! Let us know how it goes.

Hi, and welcome to the forum.

Good luck with your meeting and look forward to reading a positive post later.

Hope you keep posting afterwards so we know how things are going and you will always get excellent support on here.

Good luck this afternnon and if the nerves get too much, post on here. Rooroo has her meeting later today too, so hopefully we'll see 2 positive postings.

xx

Good Luck xxx

Good Luck for your meeting this afternoon. I also have my meeting this afternoon so I know exactly how you are feeling! I am a nervous wreck in fact I am physically shaking!!! Please let us know how you get on we can compare our day!!

Lincoln and Unhappy, good luck for this afternoon. I too have my creditors meeting so i guess we'll all be feeling it a touch at the mo.

xxx

Good luck from myself too, don't forget to let us know how you get on? x

Well what an afternoon we could have with RooRoo, Lincoln Guy and Unhappy Girl all having creditors meetings today, good luck to all three of you, got everything crossed for you all and come on lets have three positive posts on here today, that would be terrific news, again good luck to all of you.

Good luck as well unhappy girl!

any news yet lincoln and unhappy?
Mine got approved but with a few mods!
xxx

Hey Guys, - thanks for all the messages of support! Got a call from my IP at about 16:00 - my IVA's been approved! All my creditors voted for it, with the exception of the Student Loans Comapny, - which, to be honest was a bit hairy because I owed a little over 23% of my debt to them. There were a few variations, though most of them don't really affect me, - the only one that affected me is that I have been asked to enquire whether I can look into opting out of my works pension scheme to free up some extra monthly funds, - I'm going to look into that tomorrow.