www.iva.co.uk

HI guys

just wondering how do the meetings work, when you are given a date are you given a timeslot aswell or do you just have to wait all day, do they often get adjourned and if so what might be the reasons for this, i read some of you say you have to be available on the phone, as anyone been rung during their meeting, what type of thing might that be for.
sorry for the bombardment of questions but im getting closer to making THE CALL and alot of what ifs keep popping into my head.

cheers rb

Hi Rb

The if's will just keep coming. Ideally you need to register with an IP and let them be your guide. I have had my proposal this week and it states in there for me to be available all day. I think this is so that if any modifications need to be made then I cn retify them. I think you are given a time and if all is agrrable then fine if not then it could be a day/ or within next 14 days.......

I hope you get sorted soon....

thanks Marie

the day of the meeting must be the longest day ever, its amazing how once you admit youve got debt it can take over your world and the week before youre just plodding along thinking everything is hunkydory.

rb

I think most creditors vote by form and dont go to the meeting as such!

The IVA does take over your life for a while during application..but then does subside afterwards and you just learn to live with on a day to day basis and get on with your life!

we were given a date and a time mine was 11 and hubbys 11.15.. we knew by 12 as no real modifications were made except on supervisors side.. it was the longest morning of my life.. but my house was spotless!!

And there was me thinking your house was always spotless Angela!![:D]

thanks guys
rb

Hi there. I think there is normally always a meeting time so that the creditors have a deadline to send their votes. You have to be available all day so that if there are any mods they can be discussed and rectified if need be, and of course to let ou know the result
nearly there Rb loads of positive vibes coming your way.

Ang xx

cheers ang

rb

Our creditors meeting was at 3.30. I was told that I didn't have to be there as long as my husband was there (both of us were going for an IVA). Obviously I took the day off as there was no way I could have concentrated at work!

We received our call within 30 minutes, although there are people who have to wait longer. We did have some mods, but they were easy to accept. If your mods are not what you were hoping, you can have up to 14 days to either accept or refuse them.

we were just told the date and that one of us had to be available on the phone all day. i didnt go to work as i felt sick for the 2 days before the meeting. they said it wouldnt be later than 4 oclock. they phoned at 3 while i was picking the kids up from school!!. just to say it had been approved the same as the proposal and they were sorting out the cahirmans report which we recieved this morning

And what a wonderful feeling it is!

cheers guys

cant wait to have that feeling myself it must be so amazing and quite sureal i would imagine, 1 minute you feel in deep sh*t and the next its all sorted, what an emotional rollercoaster this journey is. i wonder exactly how many emotions we go through. i bet we could make the alphabet,

rb

Probably could. Whilst I still get a bit depressed if I am short of cash sometimes, I just remember that 5 years time I will be ok. I have my dreams for then and they keep me going!

It's a real rollercoaster isn't it Rb ... my whole IVA experience served to teach me patience and gave me a much more philosophical outlook on life ... i.e what will be, will be ... that there are just some things that are out of your hands to control.

Debbie