www.iva.co.uk

The following all voted yes at my adjourned meeting:
Egg, Capital One, Co-op, Hbos, Max Recovery, Lloyds

No vote from Barclays, HFC, Amex

No rejections listed.

we have hbos and they said no but our meeting has been adjourned could it mean that they could possibly change their mind

I am sure that your IP is negotiating with TDX, the representatives for HBoS plc - do you know why they turned you down? If you can address their issues, then you may well be able to get them to change their minds.

Good luck!

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

For further details contact me at http://www.melaniegiles.com and view my IVA blog at: http://melaniegiles.blogs.iva.co.uk

they said because my husband had gambled four years ago.they think he might have a problem but he hasnt not any more

I find that a really odd reason for rejection, and hope that your IP works hard for you in explaining to the creditors that your husband does not have a gambling addiction.

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

For further details contact me at http://www.melaniegiles.com and view my IVA blog at: http://melaniegiles.blogs.iva.co.uk

I agree with Melanie on this. Four years is a long time ago and as long as there is no evidence of gambling in the previous 6-12 months I am sure that your IP can argue this one out with the creditors.

Best Regards
Oliver

Thomas Charles and Co Ltd.
Experts in personal debt solutions.
Read customer feedback at: www.thomascharles.com/about_us.asp

Hi Sue,

As the experts above have already stated it is rather odd that Hbos gave a rejection due to gambling that occurred 4 years ago, surely they could see that he has ceased.

Keep us posted with the final decision.

Best Regards. IVA Experts

This does seem odd, there was gambling on some of my cards a lot more recently than 4 years ago and it never cropped up as an issue, though I did specifically include it to be shown in my statement. Was it mentioned in your proposal?

Hi Sue - also Im not sure who might of initially rejected my proposal but I know the key for me was getting KPMG to accept - which they duly did with a better offer and beneficiary interest payments at the end of the proposal (3 extra months) - though they left it till the last minute! So yes, things can be turned around.

yes it was mentioned on our proposal.thought it best to be upfront incase they found out anyway

That was my thinking too, hbos accepted my proposal so cant see why they wouldnt for you on that basis then.

ok thanks for the reply.fingers crossed because i really do not want to go bankrupt