CC removed from my online banking

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OooNutty

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Post by OooNutty » Fri Jun 29, 2018 8:43 am
Hi, today I logged into my old bank account having created a new one in hopes the IVA gets accepted and I noticed straight away that my credit card had been removed and my current account showed an overdraft limit at 0...previously £200. The loan I have with the bank remains to be seen but no action can be taken on it I.e. pay it.

Is this a sign of things to hopefully come? I know it's just 1 creditor but I do hope it looks promising. My meeting with creditors is on the 4th July hopefully.

Foggy

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Post by Foggy » Fri Jun 29, 2018 9:12 am
I am afraid that you can't read anything into it. Different creditors react in different ways. But your IP would not submit a proposal if they did not think it had a very good chance.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
Visit my blog here : http://foggy.blogs.iva.co.uk/

MerlinL14

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Post by MerlinL14 » Fri Jun 29, 2018 1:36 pm
It just shows that your Bank know of your interest to go into an insolvent state and have made a quick reaction to prevent you taking any more credit from them. It does not necessarily mean that they are going to vote in your favour.
Last Payment made 04/12/14. Completion Certificate 25/7/15. IVA company GT. No Issues

OooNutty

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Joined: Fri Jun 15, 2018 11:54 pm

Post by OooNutty » Fri Jun 29, 2018 4:33 pm
Surprisingly I received an email today saying my IVA has been ACCEPTED :D

Over the moon and a huge weight has been lifted, very relieved. It was a good job I didn't get a phone call to discuss any modifications, I was at work!

kallis3

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Post by kallis3 » Fri Jun 29, 2018 4:44 pm
Good news - well done!!
http://kallis3.blogs.iva.co.uk/
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.

Foggy

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Post by Foggy » Fri Jun 29, 2018 5:00 pm
Welcome to the journey -- remember ... we are always here.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
Visit my blog here : http://foggy.blogs.iva.co.uk/

MerlinL14

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Post by MerlinL14 » Fri Jun 29, 2018 6:21 pm
I take it from your surprise that you didn't know, or forgot, that your meeting was today? Anyway, good luck on your debt free journey.
Last Payment made 04/12/14. Completion Certificate 25/7/15. IVA company GT. No Issues

OooNutty

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Joined: Fri Jun 15, 2018 11:54 pm

Post by OooNutty » Fri Jun 29, 2018 9:39 pm
MerlinL14 wrote:
I take it from your surprise that you didn't know, or forgot, that your meeting was today? Anyway, good luck on your debt free journey.
I received 2 emails. The 1st email stated that my meeting was on the 29th June. Then shortly after I received another email with a revised date for the 4th of July.

Luckily I didn't miss any phone calls or anything. Just a text saying please contact to discuss your IVA outcome and 2 emails with 1 saying it had been accepted.
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