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Posted: Sun Mar 04, 2007 10:50 pm
by louiseh
What does this mean?
I've received an updated terms and conditions letter from egg stating " As long as they comply with the consumer credit act they can ask for the full amount owing if
become bankrupt, propose IVA or other creditors arrangement".

My plan of action was to propose IVA if not accepted at an affordable level, sell property, use small amount of equity to fund move to rented accomadation, and then petition for bankruptcy, I was intending to keep up payments until property sale had gone through to avoid charging orders etc. Would this not be possible in the light of eggs revised conditions effective 1st April? Thank you for your help.

Posted: Sun Mar 04, 2007 11:57 pm
by MelanieGiles
Hi Louise

Don't worry about that strange letter. Rest assured that in an IVA your creditors are bound by the decision of the 75% majority, and in bankruptcy your debts are removed to be dealt with by the bankruptcy trustee.

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