www.iva.co.uk

Only a week until my creditors meeting and so far I’ve had no calls or letters from my creditors - most likely because they were up to date. MBNA have stopped access to my online account and the payday loans have frozen my account under their breathing space policy, I’m really worried it’s going to be a no - I assume Aperture wouldn’t have put it through though if they don’t think it has a remote chance ? Anyone had experience with Natwest, everyday loans / credit union / barclaycard / creation finance ? Really don’t know what to do if it’s a no - debt management is a consideration but I’m really worried that this won’t stop ccjs etc

I think you will be ok.

Thanks kallis- if they want modifications extra payment or time added etc will the nominee ring me so I can agree rather than delaying it for my answer, I’ve booked the day off so I’m available if they need me but so far I’ve heard nothing I assume this is normal - not to hear from them until the actual creditors meeting ?

Usually / traditionally if any modifications are proposed which you need to agree to, they ring during the "meeting" and you say yes or no.

Creditors meeting tomorrow don’t know what time - Aperture haven’t asked me for anything nor am I aware of any pre votes yet. Very nervous cross your toes for me !!

Everything is crossed ( eys included) -- Good luck !

Everything crossed!

I have to admit this was one of the worst days of my life! But the feeling when it was accepted was amazing. Good luck hope you don't wait too long for a response.

Have got everything crossed for you. Hopefully when I log on tomorrow night you will be receiving messages of congratulations! Try and stay busy tomorrow

Thank you everyone I’m a wreck will let you know how I get on x

I'm sure you will be fine.

No news yet had a text first thing saying make sure you are available but no time for the meeting argghhh

I hope you hear something soon.

Still nothing !!!! Rang Aperture and it’s Ireland that answer so they tried Manchester but engaged said they can’t tell me any result from their offices so I will have to wait for Manchester to ring me so frustrating

A lot of companies are bad at letting you know straightaway. It's not good and they should realise how stressing this is.