www.iva.co.uk

Does it mean an automatic yes or no?

Only because my 2 biggest debts are with lloyds tsb (5k and 8k - 2 separate loans) and as my meeting is in just a few hours i'm starting to worry about those ones in particular.

If none of your creditors vote, then the IVA cannot be accepted, so your IP will need to work hard to pull some votes in from somewhere.

Again from personal experience, as long as at least one creditor votes anyone that does not vote is an automatic yes. But if noone votes as in mine your IP needs to chase at least one to vote. My Meeting was adjourned for 4 days to enable my IP to get a vote.

Kirsty