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Posted: Mon Oct 17, 2016 3:25 pm
by stu1970
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 .
Posted: Mon Oct 17, 2016 3:33 pm
by kallis3
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.
Posted: Mon Oct 17, 2016 4:06 pm
by stu1970
Thant what i keep telling myself
I hope your right the stress it killing my
Posted: Mon Oct 17, 2016 4:12 pm
by Foggy
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.
Posted: Mon Oct 17, 2016 4:23 pm
by stu1970
That's good to no about the 5 creditors
Posted: Mon Oct 17, 2016 5:02 pm
by kallis3
I am sure you will be fine but it is stressful, I agree.
Posted: Mon Oct 17, 2016 6:37 pm
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.
Posted: Mon Oct 17, 2016 6:48 pm
by stu1970
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
Posted: Mon Oct 17, 2016 8:24 pm
by watzki
I had four of these creditors and was accepted and we had 100k of debt so I think you should be fine
Good luck
Posted: Mon Oct 24, 2016 10:52 pm
by Intoodeep
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.
Posted: Tue Oct 25, 2016 4:36 am
by luluj
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
Posted: Tue Oct 25, 2016 5:22 am
by stu1970
Thank you
Posted: Tue Oct 25, 2016 9:48 am
by Lisa Thomas
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.
Posted: Tue Oct 25, 2016 2:38 pm
by stu1970
Iv just rang my IP has you sugested
But nothing yet
Thanks
Posted: Tue Oct 25, 2016 3:05 pm
by Lisa Thomas
Oh well, not long to go.