thanks Mel - and i will let you know how i get on

i may give them a call - melanie would you have put this iva through?

my ip has put a 60 month iva through - not sure if it can now be extended

yes they have 35%, have you had any that have been approved at 25p in the £ where hsbc has been the main credit company

thanks just had loads of calls from banks asking for money today, and i feel really upset and want this iva to go through more then ever.

Thanks I am with debt free direct

Yeh I was told I have a good chance but just get a little concerned when I hear this 40p in the £ hsbc rule

do we know if hsbc have accepted 25p in the £ in the past

I am not a homeowner

Hi

Just some advice

I have a creditor meeting soon - 3rd June 2008.

My IP has put forward an offer of 25p in the £ for a 60 month iva.

What are my chances of this going through????

I have 50% of my £70,000 unsecured debt with hsbc

Melanie i was under the assumption there was no more hurdle rates with the new ive regulations agreed by banks early in the year?

will the ip's decide in the vote also

i would take your money out and pay by cash where possible as your account wil be frozen as soon as your bank finds out you are looking into an iva

Hi Just wanting to know do the creditors decide on voting yes or no on the day or do ip’s have an indication of what creditors are going to vote prior to the meeting I know the ip’s would not advise their clients but just wondered if the ip’s actually contacted the voting companies prior to disscuss...

i used 1 of them last week - i have now cut them all up. Was not sure when i legally must stop using them

i have a creditor meeting arranged for the 21st - i have used my cards recently would this now fail my iva?

Hi

I am in the process of an iva

When must i stop using my credit cards?

cheers