www.iva.co.uk

iva accepted thes is how they voted
CAPITAL ONE NO [}:)]
DOROHY PERKINS YES
HFC YES
HSBC [M&S] YES
MBNA X2 YES
MONUMENT YES

paying back 30p in the £

THE REST DID NOT VOTE
BARCLAYS
BARCLAYCARD
ARGOS
NATIONWIDE
GE CAPITAL
LITTLEWOODS BCR
LITTLEWOODS
MARSHALL WARD
ADAMS
ABOUND
ADDITIONS
EMPIRE STORE
SOLUTIONS FINANCE
NEXT
GE MONEY

THANK YOU ALL FOR ALL YOUR SUPPORT [:D][:D]

Congratulations Gavin... All the best.

Kind regards,

Julia Simavi

Shortlisted with special commendation for Debt Counsellor of the Year by Credit Today Awards 2007

View my profile:
http://www.supersonicsquirrel.net/julia ... rofile.asp

Visit my website:
http://www.supersonicsquirrel.net

Credit Today Awards 2007 http://www.credittoday.co.uk/awards/winners.htm

Congratulations Gavin, great news.

Well done Gavin.
You had loads that didnt vote as we did.

Ang

Please visit my blog at http://aguise.blogs.iva.co.uk/

How much did you own them all?

iva accepted thes is how they voted
CAPITAL ONE NO £5479.61
DOROHY PERKINS YES £769.31
HFC YES £3176.69
HSBC [M&S] YES £9002.45
MBNA X2 YES 1 £3176.69 £5116.90
MONUMENT YES £350



THE REST DID NOT VOTE
BARCLAYS 1 loan £20102.93 2 loan £9514.42 3 loan £1000 od£3500
BARCLAYCARD 1 £4026.10 2 £4140.81 3 £691.48
ARGOS 1 £1049.73 2 £1193.85
NATIONWIDE £1049.73
GE CAPITAL 1 £842.48 2 £3038.50
LITTLEWOODS BCR £4733.96
LITTLEWOODS £3106.09
MARSHALL WARD £891.73
ADAMS £886.97
ABOUND £490.90
ADDITIONS £491.70
EMPIRE STORE £197.35
SOLUTIONS FINANCE £350.
NEXT £175.00
GE MONEY £175.00

Hi
Amazing that Barclays did not vote and they had the majority/casting vote.
Why would they not bother ????
Regards

Andy Davie
IVA.co.uk Spokesperson

About me:
http://www.iva.co.uk/andy_davie_profile.asp

IVA Helpline: 0800 197 4838
http://www.iva.co.uk/iva_helpline.asp

I DONT NO

Barclaycard didn't vote at mine either which I was quite surprised about as they had written to me and phoned my quite a few times.

Yesterday is history, tomorrow is a mystery, today is the present - a gift to make the most of.

View my blog at http://skippy13.blogs.iva.co.uk/

Interesting. So say ( just hypothetically )your creditors were LLoyds £40,000, Barclays £20,000, Northern Rock £20,000, MBNA £10,000 and HSBC £10,000. At the meeting you IP proposes 40p/£ and Barclays MBNA and HSBC vote YES but Northern Rock vote NO (of course). LLoyds don't bother to vote. With LLoyds not bothering to vote does that mean Northern Rock have a casting vote? So the proposal would be rejected? Surely not?

But a good IP would not let Lloyds away without voting, so I don't feel that this situation would arise - but hypothetically your maths is correct.

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

Thanks Melanie. Fortunately I have a good IP [:D] and Northern Rock are NOT one of my creditors. But, non-hypothetically, LLoyds do have the casting vote in my case. They have been very nice on the phone and I make sure I call them at least once a week!

Wow, this is one of the biggest debts I have seen apart from my own and with so much creditors.It could have turn out a nail biting finale! I would have been scared out of my wits when the iVA meeting came.
But try doing a DMP with all the creditors....

It is amazing how you can get so much credit these days....I had no asset -thank God- and still raked up 92K! Madness

I owed around 65k Sonyse2t5, all of it unsecured, no assets apart from my car and nothing (apart from the car) to show for it. Scary!

Yesterday is history, tomorrow is a mystery, today is the present - a gift to make the most of.

View my blog at http://skippy13.blogs.iva.co.uk/

I reckon the average debt I am now dealing with is approx £65k Skippy - and rising!

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