I find that HSBC usually vote in most Individual Voluntay Arrangements, and have recently started to use the services of a specialist voting firm called The Insolvency Exchange. General criteria is that a minimum dividend of 40p in the £ must be returned, and they generally scrutinise expenditure qu...

I have some experience of dealing with UK residents abroad, and have found no difficulty in presenting IVA's on their behalf, so long as creditors are fully informed and able to made a reasoned commercial decision as to the merits of acceptance. What is your total debt and monthly disposable income?...