Very very good luck to you Dominic, and you Bluebelle, I'll send positive thoughts your way for your meetings. Let us know how you get on, won't you?
I had my creditors meeting on September 4th of this year, I was a nervous wreck and was petrified about sitting in front of lots of angry people (creditors), but in the end, it was only me and my solicitor there... 2 didn't even respond (so their votes are automatically counted as a 'yes'), and the three voted by post. I had £65k debt and the nature of the debt was a little unusual and very risky, I was lucky in that I was able to offer montly repayments of £595 and the IVA figures compared to bankruptcy were far too good to turn down. Saying this, it didn't stop me panicking, I thought I was going to be made an example of... thankfully the meeting was quick, quiet and went without problem - just one modification was requested by HSBC. I know its easy for me to say but do try not to get yourself in too much of a state about it, you sound as though you've done all you can and been completely honest... its out of your hands now so just think positive thoughts and go with it. Your situation was like mine in that I have no assets and the creditors would gain nothing by making you bankrupt... that's worth remembering.
Very very good luck to you both, and everyone else with their meetings soon.
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