a virtual slap every now and then should do the trick!!!
Its totally normal to be nervous so dont worry about that,but just remember that your chosen firm is full of people who set up IVA's for a living and as long as the budget thats set is affordable and you understand exactly whats going on at all times you will be fine.
Also remember that IVA stands for INDIVIDUAL voluntary arrangement,what works for one persons creditors may not work for others so dont be too bothered about other people voting results etc.
We will always be here for you,whether its a chat or a slap,a laugh or a cry or even a moan or a shout.
Paul
Discharged today the 8th feb 2012. View is much brighter now.
Continuing to rebuild our credit worthiness.
Thats right, there's no i in team, but there is in iva............
I know what i meant when i typed it.
Aucto Splendore Resurgo.
IVA accepted May 2007.
Extended by 12 months in lieu of equity March 2012.
F+F offer accepted May 2012.
C of C received August 2012.
IVA dropped off credit file 24th May 2013.
font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Originally posted by ditzydoodle
thanks mr torch.......im really rather worried all of a sudden cos ive just read a post that said barclays said no to their iva and they were one of their minor creditors.....they are my main creditor !! and other also posted and said they said no to them as well........crikey !!!
Barclays said yes to mine, Did get a letter saying I had to pay my od in full within 7 days.
But this was with a nine letter saying we know you will not be able to do this, but have to put it in writing.
IVA now over with and it was worth it.
now starting my life again,
Barclays said yes to mine aswell, I don't think anyone actually refused although santander weren't interested in voting.
It always strikes me as odd that they don't bother to vote, I mean they badger you like mad for payment beforehand and then as soon as they have chance to have their say they can't be arrissed!
The very most important thing in the whole process of setting up an IVA with your creditors is to get your income and expenditure figures right - and they should be based upon your own figures and no-one elses! If you have any concerns you must raise them with your IP firm now, and be robust at the creditors meeting if you get forced to accepting higher payments which you know you will be unable to afford.
