www.iva.co.uk

Well we've finally got our creditors meeting 2 weeks tomorrow at half 10 in the morning and the nerves are setting in. What are we going to do if it doesn't get accepted? That is our biggest worry. Weve had a letter today from one creditor saying we owe them nearly £2000 immediately and several letters from others telling us that will sell our account to debt collectors if we don't pay up.

So basically we are both worried about the IVA been rejected. What are the chances of this happening?

Thanks

Hi, please try not to worry but it's completely natural to have a nervous time in the build up to the creditors meeting of what if's etc., I think we've all been there.

Your IP wouldn't put anything but the best offer on the table to the creditors so hopefully the creditors will vote favourably for the IVA.

Let us know how you get on won't you? x

Most IVAs are accepted these days, and if you have a well researched proposal presented by an IP firm with a good track record, the changes of failure are very slim. If you believe that you are putting the best offer forward, then your creditors will believe this as well.

Thanks for that Melanie, it is your firm we are with so hopefully it will go through. And your right, I do believe it is our best offer so it should be accepted.

Thanks.

I thought you were "one of mine"! Am sure we will be fine on the day, and everything will be crossed at our end that's for sure.

We're with Melanie too. We were in your position not so long ago and that was my constant worry. Melanie and her team are brilliant so you have no worries there. I think the fear you feel is everything is out of your own hands and you cannot influence the decision.

Believe it or not these two weeks will race by and hopefully we will be congratulating both you, Melanie and her team soon.

As Mel wrote, everything crossed x

Hi

If you fancy having a look through posts from two weeks ago you will find a post from me saying almost the same thing as you.

I think it is seeing it all there, and then getting the date.

It makes it so real. I have found such comfort from reading and talking on here. It makes you realise that what you are feeling is totally normal.

Good luck,

N

Hi indebtandnotproud,

I have my creditors meeting next Tuesday and all I can think about is "What ifs...". To be honest you are proposing your best offer, as are we all.

We can only hope that our creditors see our proposal in the same way which is what Melanie I am sure will communicate.

Even now I am getting phonecalls, letters daily and am praying that this will stop if/when the IVA gets accepted.

I'll be thinking of you and have fingers crossed.

Regards

Craigdaddy