www.iva.co.uk

Sorry to keep posting but I’m just worrying so much about not being accepted. So my creditors meeting was on Tuesday and only 1 out of 6 creditors voted which was a no. Fast forward to today where 2 voted yes and my IP told me that the Barclaycard account came back with a lower amount? I’ve asked what that means because Barclaycard is my highest creditor but I’m yet to receive a reply! Anyway now I’m being told that Natwest who I’ve got a loan with for £7000 are her last resort and if they say no then they’ll have to reject the IVA and look at it again in a few months. I’m at my wits end worrying about this now and I’ve got to wait until the middle of next week for an answer because apparently Natwest aren’t the quickest? If anyone can shed some light on what she means by a lower amount with barclaycard and whether Natwest have got a good history of voting yes! Argos haven’t voted either but is that because it’s £1000? Sorry to go on everyone. It’s just taking its toll on me and I’m back in work next week so it’ll be harder for me to communicate with CreditFix.

If this does happen then you can always do a DMP in the meantime. Please don't worry too much - you know we are here to help you.

The claims submitted by creditors are often different to the ones we lodge as owing to them, due to charges and interest made before the IVA is in place or even amounts in these respects refunded. A couple of mine came in a bit lower and a few a bit higher, but, at the end of the day, it makes little difference as long as the figures are broadly correct.