www.iva.co.uk

Hi all,

Wish me luck. I've got my second creditors meeting tomorrow. I'm the creditor by the way.

The first one got adjourned (they didn't give us a reason for it mind you). However, we did speak to the manager of the IVA firm who shed some more light on the "large debt from abroad". The investment agreement made with the creditor is a page long and the English used in it is atrocious (it's like a small child wrote it). The supposed amount exchanged was a 6 figure sum, hmmm. Both my solicitor and I have done extensive research and neither person nor the organisation the investment was made by appears to exist. I'm absolutely bricking it though because he IVA firm said they have accepted the evidence.

On the plus side, some of the credit card creditors have accused him of fraud and have put a complaint in.

I'm hoping it gets voted no tomorrow so the hearing for the final charging order can go ahead next month and I can finally get everything that is owed to me back.

I know most of the users on here are debtors and you will telling me to jog on but I hope you can keep your fingers crossed for me.

PS. He lied on an income and expenditure form 3 years ago when he listed all his debts after a CCJ was issued. There was no "large debt from abroad" on it. He even signed a statement of truth. I wonder how the debt miraculously came of out of thin air in 2018 when the supposed agreement was made in early 2000 other than to pad the vote out for the IVA. Wouldn't this be classed as purgery? Roll on the hearing for the final charging order!!!

Fingers crossed!

I don't think anyone on here would tell you to "jog on". We all know and understand our failings to those we owed money to. The vast majority of us would not even think of lying about our debts to 'swindle' money out of genuine creditors or use a lie to pad out the figures. Good luck any way.

I echo Merlin --- far from telling a creditor to "jog on" we believe in a fair and honest agreement between all sides. The ethos behind an IVA is for the debtor to pay back as much of the debt as they can comfortably afford over the agreed period of time ... NOT to get away with not honouring as much of the debt as possible (especially by dishonest means).

You might consider, along with your solicitor, whether the offence of fraud has possibly been committed and, if so, refer the matter to the police --- maybe in conjunction with the other disgruntled lenders.

I hope you get it sorted.

Thank you all. A few forums I've more or less been told to jog on. I didn't mean for it to sound as it came out.

Don't get me wrong, I completely understand people make mistakes or things sometimes take over their lives. I worked with a girl and helped her get a bankruptcy order because her life spiraled out of control after her Dad died (she paid for the funeral and then just ended up going gaga on catalogues because she didn't know if she was coming or going) and I can sympathise with that as I would with almost all the people posting on here.

The crook I am against is lying left right and centre and I will be damned if he gets away with it. Making up fake creditors and trying to get away with it.

Roll on tomorrow.

Good morning.
Far from telling you to jog on. This is supportive and friendly safe place.
I hope you feel welcome and continue tonshare the outcome.
I felt terrible entering IVA and a failure.
Myself and husband made sure our allowances were listed as being realistic and affordable to maintain a suitable standard of living for us and our young children but never to the extent if lying, falsifying figures etc. Thats surely fraud on some level?
We always intended repaying as much as we possibly could as we had borrowed it afterall with the intention of repaying but as you say things happen amd life takes a turn not always for the best.
Good luck for the meeting. Let us know how it goes.

I lost by 0.1% at the vote stage.

It was awful. The IP and his boss made it feel like I was on trial. Worst bit was towards the start when he slid a piece of paper across the desk and exclaimed "regardless of how you vote, it's a yes".

So annoyed because they accepted the large debt sum even without a proven audit trail. All the associated creditors voted yes which was no major surprise as they are all brothers and sisters to the debtor.

Oh well. I tried my best.

Thanks for your well wishes folks. I appreciate it.

So sorry - I did hope you would be sorted.

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