www.iva.co.uk

Ok im confused I have a creditors meeting in a weeks time and just had one of my creditors on the phone completely oblivious to this fact, is this normal? im I missing something shurly they should have been informed by know.

Nope that's completely normal, don't worry. I had that to start with. It takes a number of weeks for everything to filter through.

Did you disclose this debt to your IP and, if so, was it left out of the IVA proposal?

everything was disclosed

The proposals are usually sent to the appointed agents of the banks. This can mean that some creditors may not be aware initially but you may also have been dealing with some call centre in a far flung corner of the Earth!

Do not worry and good luck for the meeting. You will probably receive calls and letters post approval as the banks can be slow to update their systems.

Thank you Michael I had been trying to talk to you as it is your company im going through

I have been busy most of the morning but give me a call by all means this afternoon.

Don't finish work till 5:30 conal has been my adviser not my IP but he has been gathering all my details.

Unfortunately I will be gone by then but I see that your meeting is scheduled for next week. Drop me an email and the best time to call you and I will give you a buzz tomorrow and discuss any queries you may have. My email address is in my profile.