www.iva.co.uk

HFC just phond and told me if the iva is Accepted the wont go with it and i must still pay them or the put me in court and sand the balifes in can they do thes ? sorry about my spellings

Hi
This is just the sort of rubbish that you sometimes get from call centre staff who are paid to collect money.They probably don,t know the difference between an IVA and IVF.
They WILL form part of your IVA,if you get the required votes,whether they accept it or not.
regards


Andy Davie
IVA.co.uk Spokesperson

About me:
http://www.iva.co.uk/andy_davie_profile.asp

IVA Helpline: 0800 197 4838
http://www.iva.co.uk/iva_helpline.asp

If they are included in the list of creditors and IVS is accepted They are BOUND legally to accept IVA arrangements.

Tell them that.

On acceptance,IVA is registered in court and becomes legally binding on all unsecured creditors listed in IVA proposal.

Make sure ALL unsecured creditors are included.

Double check and check and make sure all unsecured creditors are included.

Hara

Ooh that made me laugh Andy! HFC tend to be a very supportive creditor once the proposals arrive at their insolvency specialist department, and they are represented by Grant Thornton who are an excellent accountancy firm who will advise them as to the merits of your IVA properly.

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

For further details contact me at http://www.melaniegiles.com and view my IVA blog at: http://melaniegiles.blogs.iva.co.uk

Hi
Could you sense the anger ??????

Andy Davie
IVA.co.uk Spokesperson

About me:
http://www.iva.co.uk/andy_davie_profile.asp

IVA Helpline: 0800 197 4838
http://www.iva.co.uk/iva_helpline.asp

as long as HFC are listed there is nohing they can do.

HFC are one of my creditors and were represented by Grant Thornton. They also had the majority regarding votes. All creditors voted yes to my IVA proposal - Grant Thornton also voted yes at 29p/£ with an equity release in year 1 of £13k, and 24 hours later changed their mind stating they required a minimum return of 41p/£!!!!!!

As other posters in various threads mention - we will sell anything and anyone to get the IVA approved!!! As for IVA vs IVF - not sure about either anymore!!!

If HFC is not your majority creditor and all your other creditors vote yes, HFC will have to just accept it.

Sue

Ho Hum! Think I'll bang my drum!

Read My Blog
http://sadsack.blogs.iva.co.uk/

Historically HFC have been very responsive to IVA proposals and the information you have been given is totally inaccurate.

Best Regards
Oliver

Thomas Charles and Co Ltd.
Experts in personal debt solutions.
Read customer feedback at: www.thomascharles.com/about_us.asp

Hi Oliver

Not too sure if your last comment was directed at me!!!

Sue

Ho Hum! Think I'll bang my drum!

Read My Blog
http://sadsack.blogs.iva.co.uk/

The people that phone and harrass you are not the same who vote for the IVA anyway. They were one of my creditors and I found them to be very insistant and were relentless.

Hi its nice to hear from you sadsack, I have been wondering about you. I do not think the comment was aimed at you but some of these call centres dont seem to know what an IVA is or their ass from their elbow, me thinks.

lily

Not at all Sue I was referring to the HFC adviser Gavin spoke with over the phone.

Best Regards
Oliver

Thomas Charles and Co Ltd.
Experts in personal debt solutions.
Read customer feedback at: www.thomascharles.com/about_us.asp

Andy - really enjoyed your comment!haha!

Gavin - Its true the people who are harassing you on the phones are not the people who vote in your IVA, they wont even see it. They are just employed to get payments from you. All you need to do is explain that you are entering an IVA and that you will not be making any payments, you could also refer them to your I.P.

Sue - I have also been wondering where you have been, we have missed you on the forum. Hope everything is ok! [:D]

Best Regards. IVA Experts

Hi IVA experts!!!

You just cannot keep this mouthy one away!!

All is fine! Had Mum over for a visit so had no time to get on the computer!!

Sue

Ho Hum! Think I'll bang my drum!

Read My Blog
http://sadsack.blogs.iva.co.uk/

Well im glad to hear that everything is fine and hope you had a great time with your mum.

Best Regards. IVA Experts

Glad that you're back Sue x

Yesterday is history, tomorrow is a mystery, today is the present - a gift to make the most of.

View my blog at http://skippy13.blogs.iva.co.uk/