www.iva.co.uk

My creditors meeting is next week and a day before my birthday. My sons birthdays the following week. It really is going to be a life changer.

I like dealing with 1 person at my IP but now iv been moved to a different Department which I don't really feel appreciate calls.

Do you think it would be OK of I contacted them to ask if main creditors have come back or for an update??

The type of response you get and who deals with you depends on which company you are with.

They seem like a good company. Well recommended. Seem to know what they are doing but guy dealing with it now doesn't seem very approachable. May be bad of me to say but it's just a big change from previous girl.

Main thing anyways I wud like to know is wud it be possible that the main creditors have come back??

If they do will they tell me ?? Or do I have to wait until meeting date

Most of it is done by email, fax etc. so its a case of waiting but the IVA company will flag up any concerns quickly.

Thank you easy it's hard being soo anxious

We all remember how anxious that period can be.

It is an anxious time and a lot of companies won't update until the day as a lot of votes can be send in on the day.

Hang in there won't be long. Hope you have a wonderful birthday and your son too.

You guys alays restore my faith in humanity. Ty

Good luck for your meeting, I'm sure it will be fine. You probably won't find anything out until the day itself. As far as your new contact goes, once all the set up has been done, the day to day running of your iva shouldn't require much contact with the company, so don't worry too much if they aren't that approachable. Apart from annual reviews, I hardly spoke to mine! You may well find it will change again anyway. Good luck!

Hi Phat_Mylo,

I always rang my IP with questions- even as my F&F was going through recently!

I was calling to ask if the creditors had been sent their letters to claim their dividends, i called to ask if they had been paid etc. My CC is now in the post, so hopefully no more phone calls from me!

At the end of the day, it is a service and they are getting paid for providing it, so why shouldn't you call and ask for updates?

Most creditors do not vote until just before the meeting and in some cases on the day of the meeting itself. If there were any queries they may be raised earlier and the IP will go back to you for answers. HMRC usually raise any queries quickly but if they are not a creditor it is likely there are few if any votes in at this time.

I was on the golf course when my IP rang me and explained my IVA had been rejected by Amex !!! I can tell you the news did not do much for my already fragile game.

Two weeks later and after a very fraught period of negotiation, it was finally accepted.

So don't panic even if the first news is not good.

OK soo meeting was supposed to be today And I haven't heard anything apart from brief update this morning. do the creditors have right to the end of the day to reply??

They have until the time of the meeting. IP's are often very lax at getting back to you with the outcome. They could be negotiating to get a better result, or have simply overlooked letting you know what's going on -- try and give them a phone.

It was today. They called to say a new proposal wud be drawn up. Spose just a waiting game now. Hopefully some good news on my bday tomorrow