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stu1970

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Post by stu1970 » Mon Oct 17, 2016 3:25 pm
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I have a Creditors meeting on the 31-10-2016 for a IVA With Stepchange
My debts are with 5 Creators total 50K
TSB
MBNA
Nationwide
Barclaycard
Capital One
RBS
Built up over 10 years i feel so foolish now thinking about it all

My question is ? Well not really a question but I'm just so
worried that it will get Rejected . I can't sleep or eat thinking about this .
s marsh
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kallis3

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Post by kallis3 » Mon Oct 17, 2016 3:33 pm
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Hi and welcome,

They would not be putting this offer forward if they did not think it would succeed so I m sure you will be ok. Just keep posting on here for support.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
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stu1970

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Post by stu1970 » Mon Oct 17, 2016 4:06 pm
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Thant what i keep telling myself
I hope your right the stress it killing my
s marsh
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Foggy

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Post by Foggy » Mon Oct 17, 2016 4:12 pm
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Try to keep occupied and don't dwell on the meeting ( hard I know) --- I had 4 of those among my creditors and all voted yes, as far as I recall.
Last edited by Foggy on Mon Oct 17, 2016 4:15 pm, edited 1 time in total.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
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stu1970

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Post by stu1970 » Mon Oct 17, 2016 4:23 pm
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That's good to no about the 5 creditors
s marsh
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kallis3

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Post by kallis3 » Mon Oct 17, 2016 5:02 pm
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I am sure you will be fine but it is stressful, I agree.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
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luna

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Post by luna » Mon Oct 17, 2016 6:37 pm
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Hi

We were with StepChange and found them to be really good right from the start and throughout.
When we looked at our proposals the alternative to accepting was the creditors would get nothing so I'm sure they knew it would get accepted.

Good luck.
IVA completed with StepChange.
Last payment Sept 2016 CC Oct 2016
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stu1970

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Post by stu1970 » Mon Oct 17, 2016 6:48 pm
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font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Originally posted by luna

Hi

We were with StepChange and found them to be really good right from the start and throughout.
When we looked at our proposals the alternative to accepting was the creditors would get nothing so I'm sure they knew it would get accepted.

Good luck.



Thank you
s marsh
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watzki

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Post by watzki » Mon Oct 17, 2016 8:24 pm
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I had four of these creditors and was accepted and we had 100k of debt so I think you should be fine

Good luck
Today 1st of December 2016 the vultures finally flew away
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Intoodeep

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Post by Intoodeep » Mon Oct 24, 2016 10:52 pm
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Good luck on 31st, been there and now coming up to end of year four! It is terrifying but you will feel much better once IVA is underway.
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luluj

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Post by luluj » Tue Oct 25, 2016 4:36 am
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It isn't easy but this time next week I am quietly confident you will be in an iva. Your IP will have submitted your best offer to creditors based on your affordability - keep yourself busy over the next few days xx
Sharing from experiences of dealing with debt

There is a solution for everyone .... Just need to stay positive !

Look at my blog "All I wanted was a baby"
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stu1970

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Post by stu1970 » Tue Oct 25, 2016 5:22 am
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Thank you
s marsh
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Lisa Thomas

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Post by Lisa Thomas » Tue Oct 25, 2016 9:48 am
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Not long to go Stu. Worth speaking to your IP - they might have received votes already and know the outcome. Its a long shot but worth a quick phone call to find out.
I'm a licensed IP with 16+ yrs at Neville & Co covering the South West area. I have a YouTube channel with advisory videos on here: https://www.youtube.com/channel/UCMPTTu ... Z5k9ZcC2MA http://www.nevilleco.co.uk 01752 786800 Lisa@nevilleco.co.uk
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stu1970

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Post by stu1970 » Tue Oct 25, 2016 2:38 pm
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Iv just rang my IP has you sugested
But nothing yet

Thanks
s marsh
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Lisa Thomas

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Post by Lisa Thomas » Tue Oct 25, 2016 3:05 pm
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Oh well, not long to go.
I'm a licensed IP with 16+ yrs at Neville & Co covering the South West area. I have a YouTube channel with advisory videos on here: https://www.youtube.com/channel/UCMPTTu ... Z5k9ZcC2MA http://www.nevilleco.co.uk 01752 786800 Lisa@nevilleco.co.uk
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