Hi FD, I am not sure how the funding from your workplace would work but, I am in the middle of a distance learning degree, which my company is funding. There were no financial check just an agreement that completing the course would improve my skills and therefore improve the work I do for them. I n...

Thank you all. It did go through first time, with what seems to be normal exception on the payment to the IP.

Hi All, Today my IVA was finaly accepted. I just wanted to thank everyone who gave me advice when I was worried and answered questions when I was confused. For all of you who are just starting this process, please listen to the good advice that is given here, don't panic, you are not on your own and...

I would agree with Indeep on this. I started the process on the 13th of January, I provided all information required by return of post and my creditors meeting is today. The only thing that has held up the process for me is not going straight to a company with an IP. If you are just starting this pr...

Hi I am in the sm situation with HSBC, I canceled all my direct debits, which include a loan and credit card from HSBC. They have just taken the payments anyway and increased my overdraft by doing it. I have ignored this practise because they are robbing themselves to pay themselves. Do you thing th...

Hi, I have just had a similar call from MBNA, I have a provisional date for my creditors meeting, but the guy on the phone was insisting that it would be much better to sor out my problems directly with them, than to take out an IVA. I asked if he was free to talk for all my creditors and then he st...

Congratulations Pap,I think we tarted this prosses around the same time, I don't even have a date for a creditors meeting yet. That will teach me to go through a third party. I would not reccommend it to anyone else, everyone should go direct to a comany with an IP.

Hi All, I signed my proposal last night and sent it of first thing this morning. I wish I had bypassed going through other people and gone straight for Dave or Melanie, they seem to get things going much faster,I have been at this for over 8 weeks now and some seem to get it sorted in 6. Never mind ...

Hi, Thats my point in the list on this thread all of the creditors I have did not bother to vote, Therefore I could recieve no vote, where would this leave me?

Hi, I was looking at the list of creditors and I am no concerned that, appart from my HSBC bills all of my creditors are on the list that was posted and none of them voted. What happens if none of my creditors bother to vote?
Cheers Geo

Thats great news Pap, I thought that I would be posting aroung the same time as you, but I have not heard anything yet. Good luck on the 20th it's not that far away.
Geo

Thank you Cath That helps a lot, at least they reopened the account so that you could use it. I would rather not change my account again as it would start questions at work (changing accounts twice in one month). If I can argue the facts with the bank I can then at least try to keep my debt problems...

[quote] Originally posted by bic we had a card with mint and tesco both run by rbs and set up our new account with natwest. i dont know whether it was coincidence bit a week after iva on insolvency register our natwest account was frozen and we had to fight to get it open again as they thought we we...

Hi Bic

When you say you had to fight to get your account reopened, what did that invole and how long did it take?

Thanks Melanie, That sounds more realistic, my IP was just giving advice as to the posibility and that they would recommend that I change banks again, just incase. I think I will take the chance, as I don't want to risk my job (all I want to do is find an end to debt once and for all). Thank you all...