www.iva.co.uk

Posted: **Wed Nov 22, 2006 6:24 pm**

Hi, many of you will be aware that my creditors meeting is this Friday at 3.30pm.[V]
I have had a letter today. It is connected to MBNA (they are my 3rd largest creditor out of 8 and will have around 11% of the vote)Letter is from a Recovery firm/Solicitors. Letter is headed 'this is not a payment demand'. the letter says that they are acting on MBNAs behalf and that they will be dealing direct with my IP as required by the law!!!!!!!! and that i would not be hearing from them again! Is this a good sign do you think that MBNA have voted yes to the IVA?

Also i have had a couple of creditors ask me to phone them on Friday and let me know if the IVA has been agreed. Is this ok to do?

Posted: **Wed Nov 22, 2006 6:48 pm**

its tomorrow for me i will try to sleep tongiht.

Posted: **Wed Nov 22, 2006 7:03 pm**

BLUEBELLE DOMINIC

YOU HAVE DONE ALL YOU CAN ITS OUT OF YOUR HANDS NOW. YOUR IP WOULDNT HAVE MADE THE PROPOSAL IF IT DIDNT STAND A GOOD CHANCE. JUST WANTED TO SAY GOOD LUCK TO YOU BOTH. REMEMBER THIS WAY THEY ARE GETTING ALL YOU CAN GIVE, BANKRUPTCY WILL GET THEM A BIG FAT ZERO. AT LEAST THE WAITING WILL BE OVER SOON AND YOU CAN GET ON WITH YOUR LIFE.

LOADS OF LUCK

LILY

Posted: **Wed Nov 22, 2006 7:16 pm**

Thanks Lily,

i have Friday off work..the meeting is 3.30...so i will be pacing the floor but i would rather be at home pacing than at work as i will be too distracted.

good luck dominic...i will log on when i get homefrom work tomorrow to see how you have got on..hopefully i will see good news from you...what time is your meeting?

I will be posting on Friday no doubt...before and after the event!

Posted: **Wed Nov 22, 2006 7:19 pm**

Best of luck

Posted: **Wed Nov 22, 2006 9:43 pm**

Bluebelle
You will not have to contact your creditors on Friday as your IVA will be approved and therfore you will have no further dealings directly with your creditors.
Friday is the start of the rest of your life and the prize at the end of the five years will be worth all the pain that you have ,and to a certain extent, will go through.
Regards

Posted: **Wed Nov 22, 2006 9:47 pm**

just listening to some tunes and letting go right now

Posted: **Wed Nov 22, 2006 9:51 pm**

Dominic
My fingers are crossed for you,although I have a feeling that all will be fine
Regards

Posted: **Wed Nov 22, 2006 10:11 pm**

rationally i suspect it willbe, can't ehelp the irrational. ANd thank you.

Posted: **Thu Nov 23, 2006 12:15 pm**

Hello Bluebelle

As Neverending rightly states, you DO NOT have to contact your creditors with news of the acceptance of your IVA. If accepted an IVA is legally binding on all your creditors whom will have to then abide by the terms laid out in the agreement.

Good luck with everything.

You can access Video Clips giving additional information about IVAs at:
http://www.thomascharles.com/interview_ ... an_iva.asp

If you would like more information about IVAs, other debt solutions, or just want to arrange an informal chat, please visit us at www.thomascharles.com.

Best Regards
Oliver
www.thomascharles.com

Posted: **Thu Nov 23, 2006 4:33 pm**

Hi

Good luck for both of you tomorrow, I'm certain it will be fine. I made my first payment and it feels great...just think in a few weeks or even days you both will see that first payment come out of you bank and feel like a hugh part of the weight has been lifted.

GOOD LUCK[:)]

l morris

Posted: **Thu Nov 23, 2006 5:34 pm**

IVA approved today, time to get back on with life.

Thank you for all your support.

www.iva.co.uk

Is this a good sign?