McCambridge Duffy

[Rosepetal]

Hi! great news! has the good news sunk in yet???

[kallis3]

Must admit that it took a few days for it to sink in with us. That feeling of relief is wonderful.

[Shining]

It's a funny feeling when it's first accepted in my opinion, like Jan it took a few days to sink in. I'm the eternal pessimist so it was always what if this and what if that, but then thought well I'm in a much better place now so get on with it and 3 years down the line it's not been all plain sailing but still the best thing I ever did in respect of money x

[kallis3]

You've had more of a struggle than most Lesley - as fast as one thing gets sorted then something else comes along to smack you in the face.

You've always managed to get through and I admire you for that. Hopefully you'll have some plain sailing soon!

[luckycharm]

Just wanted to update this with correct information. I was advised on the day of creditors meeting that all my creditors voted and all voted in favour. I received the report yesterday to sign and in actual fact I was given wrong information. All but one of our creditors voted but more importantly NOT all of them voted in favour and in my case it was actually a pretty close call. The creditors that voted against in my IVA were Nationwide (who held a high percentage of the debt!) and Max Recovery (acting for my Debenhams store card). The creditors who voted against in my husbands were Barclaycard and again Nationwide. I just wanted to update this as I know people who have yet to have their creditors meeting are often interested to know which creditors vote for and against.

[MelanieGiles]

75% is all that is needed - so long as this is achieved I would not worry too much about the mix.

[kallis3]

Barclaycard didn't bother to vote at mine if I remember rightly, Lloyds TSB were the only ones who said no and they had a very small proportion of the debt - it was only just over £2k!