www.iva.co.uk

Posted: **Mon Nov 03, 2008 9:28 pm**

Well tomorrow is D Day! From my first phone call(which ended in tears!) to the creditors meeting at 12pm on 4th November.I can't believe it is finally here!Our borrowings escalated from an 18 month building project which went completely wrong
in every way. We were told that we would have no problem getting a remortgage but after 6 months of trying, we finally admitted defeat in late September.Yes, the Credit Crunch well and truly "bit" us!
My husband and I are both proposing an IVA but our greatest fear is that Lloyds TSB will reject as they hold more than 25 per cent of our debt and it is under a year old.
What will happen if one of us gets accepted and the other doesn't - or is that unlikely to happen?
I must add that I have become totally addicted to this site in the last month and don't feel so alone!

Posted: **Mon Nov 03, 2008 9:30 pm**

Good luck -fingers crossed.

Posted: **Mon Nov 03, 2008 9:33 pm**

Good luck!

Most of my debt was with Lloyds and on the day they didn't even bother voting.

Try and stay positive tonight and let us know tomorrow how you get on.

Posted: **Mon Nov 03, 2008 9:34 pm**

The very best of luck to you. If you have put the best proposals forward, and they represent the best return for creditors, I am sure that you will get the result that you are looking for.

Don't forget to let us know the outcome!

Posted: **Mon Nov 03, 2008 9:36 pm**

Good luck from me too - Your Nominee (IP) would not have put forward your case if he/she did not think it would go through.

Posted: **Mon Nov 03, 2008 9:38 pm**

I posted on a previous thread, but I'll wish you good luck again on this one!

Posted: **Mon Nov 03, 2008 9:39 pm**

Thanks everyone - will let you know the outcome - and David , I do believe you are our acting IP at 12pm tomorrow.

Posted: **Mon Nov 03, 2008 9:41 pm**

Thanks Kallis3 - yes as you might guess - tonight I am addicted
to the forum!

Posted: **Mon Nov 03, 2008 10:10 pm**

Hi there

I am sure you will be fine, fingers crossed for you tomorrow.
Dont't forget to let us all know how you get on xx

Posted: **Mon Nov 03, 2008 10:12 pm**

Good luck for tomorrow. Lloyds TSB had over 50% of my debt and they didn't vote on the day. X

Posted: **Mon Nov 03, 2008 10:15 pm**

Good luck from me too. Keep us posted xxxxx

Posted: **Mon Nov 03, 2008 10:39 pm**

Good Luck from me as well, will keep my fingers crossed for you[:)]

xx

Posted: **Mon Nov 03, 2008 10:40 pm**

glad that you dont feel alone with the forum...i think so many of us get isolated with our debt....so finding this site is really such a support....i hope that tomorrow goes well and you will be celebrating with us all

keep posting

Posted: **Mon Nov 03, 2008 10:41 pm**

Good luck to David aswell then LOL

Posted: **Mon Nov 03, 2008 10:44 pm**

Good luck from me to.It isnt easy waiting for that phone call i know i couldnt go to work that day, but i havent looked back since my iva was approved.