www.iva.co.uk

I know each case is taken on its own merits but I was wondering in general how amenable various creditors are in agreeing to an Iva. Our creditors are hsbc, barclaycard, mbna, natwest, American express, tesco, sainsbury, santander, Lloyd's tsb

Cheers
Paul

Hi, I had my IVA approved 2 weeks ago and I had 9 creditors and each one ov them voted yes so I got 100%, HSBC and Lloyds were 2 of them x

Cheers Tracey. HSBC are my biggest creditor and I've been banking with them since uni back in '95 so good to know they were OK with you.

I too have had an account with them for a long time,over 20 years, I had an overdraft and credit card totaling approx £4000, Im sure you will be fine :0) x

HSBC and Natwest - yes.

Barclaycard - no vote and still not submitted a claim.

If they don't want the money...

I'm sure you will be fine with those creditors but sometimes creditors just do not bother to vote at all

This does not stop them from proving their debt and receiving a dividend

Hi, Just thought Id let the forum Know that after a long years and 3 variations later, my IVA has been completed. The final variation of £2000 in lieu of my share of any equity therein has been accepted. My IP has received the funds from a third party (my Mum) and all I have to do now is wait for the certificate of completion. How long does this roughly take?....Thanks for all your advice and guidance everyone.

RPF

Great news Gaccream, you must be realy relieved. Completion certificates can vary especially with all the recent VAT and PPI issues. Best thing is to check with your IP to get expected timescles and find out if anything needs to happen first.

Best wishes.