Hi there. My creditors meeting is at 15.30pm tomorrow. What a day and time to have it, is that an omen?? I am offering £54p in the pound as a dividend and feel that is pretty good. Will keep you posted as to how I get on. How nervous am I but have to remain positive. It's only money after all so not...

Hi there, Can I ask what my percentage will be? My debts are 107K and I my IVA proposal is to pay back 60K over 5-years. I am offering a monthly payment of 1K per month. I am guessing that I am looking around the 58p in the £ mark. Is that correct and would that stand me with a better chance of havi...

Thank you everyone for your wonderful words of support, this is a wonderful forum to be a part of and very supportive. My draft proposal is being sent to me this week and once I am happy with it I will be sending it back, then waiting to here when my creditors meeting will be. Eveningstar, like you ...

Hi Vickir, I really feel for you, but am so happy that you finally met someone who treats you as you clearly deserve to be treated. I got a call from Thomas Charles today saying that all my paperwork was in order and that they have now passed it onto an IP to prepare my case for me. I'm nervous but ...

Hi everyone, Having read many posts on this website I just want to say what a wonderful group of people you all are. It's a community that can help each other in the same situation. There is nothing worse than feeling that you are the only one going through this at the time, as I'm sure many of us d...

Hi Sblack, I have also had a nightmare with MBNA. They have been the hardest people that I've had to deal with. I have just sent my pack off today to my IP and up until now have not really had much hassle from creditors, except MBNA who like you say seem to be destorying many rain forests with their...