Does no contact mean IVA rejection?

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lisa817

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Post by lisa817 » Fri Mar 22, 2019 6:54 pm
Had creditors meeting today Friday 22nd March 2019.my up is Aperture.they didnt state time of meeting.phone at 5pm as hadn't heard anything .person on phone said department who deal with meetings all away home so it will be Monday before I find out result of meeting!!! Does this mean my iva has been rejected as my husbands was passed approximately 2 weeks ago and they rang that afternoon to set up direct debit.

Foggy

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Post by Foggy » Fri Mar 22, 2019 7:11 pm
No it doesn't mean bad news --- Aperture are among the worst firms for communicating meeting results in a timely manner --indeed for communication generally !
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
http://foggy.blogs.iva.co.uk

kallis3

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Post by kallis3 » Fri Mar 22, 2019 7:21 pm
Keep pestering them!
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.
http://kallis3.blogs.iva.co.uk

lisa817

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Post by lisa817 » Fri Mar 22, 2019 8:11 pm
Unfortunately they have said now no one in to Monday so will be a long weekend for me unless I get a rejection letter in the post tomorrow. I got one of those with no phone call a month ago when I first applied for aperture for an iva.all creditors voted yes apart from hmrc who didnt vote and credit union who voted against. Credit union had 33% of vote but they hadn't taken my savings amount off loan leaving them with only 23% of vote so had to apply again once they had moved savings over off loan.so if everyone voted the same as last time and HMRC didnt vote I would pass with 77% of votes.has anyone had a creditor change their mind and voted the opposite way when nothing on income /expenditure has changed within 4 weeks? Also would aperture not phone to set up direct debit straight away?? Think it's strange that the person who answers phone can see what's happening when they put in my reference number!!!!

lisa817

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Post by lisa817 » Fri Mar 22, 2019 8:13 pm
Sorry mean can't see what's happening when putting in reference number

Foggy

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Post by Foggy » Fri Mar 22, 2019 8:22 pm
The vote this time will depend on who votes --- if any creditor who said yea last time doesn't bother to vote this time that could put the credit unions share up ---as it is a percentage based on those who vote, not on the total make up of the full debt.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
http://foggy.blogs.iva.co.uk

lisa817

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Post by lisa817 » Fri Mar 22, 2019 8:33 pm
In that case would they not adjourn and try to get them to vote for a second time?

Foggy

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Post by Foggy » Fri Mar 22, 2019 9:41 pm
Fri Mar 22, 2019 8:33 pmlisa817 wrote:
In that case would they not adjourn and try to get them to vote for a second time?
They might do if they think they could swing the vote --- but, it might just be that the meeting chairman just hasn't got around to writing up his report, especially if your meeting was later in the day.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
http://foggy.blogs.iva.co.uk

lisa817

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Post by lisa817 » Sat Mar 23, 2019 11:15 am
No rejection letter in post today so that has lifted my Hope's.fingers crossed for monday

kallis3

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Post by kallis3 » Sat Mar 23, 2019 11:25 am
I'd be on the phone first thing!
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.
http://kallis3.blogs.iva.co.uk

lisa817

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Post by lisa817 » Sat Mar 23, 2019 11:43 am
Unfortunately I will be working so it will be late afternoon before I can phone them😡😡😡

lisa817

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Post by lisa817 » Mon Mar 25, 2019 9:27 pm
Iva passed!!! Feel like a tonne of stress lifted off my shoulders!! Thanks for all your help guys x no doubt I will be getting a lot of advice off youse all over the next 5 years!!!

kallis3

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Post by kallis3 » Mon Mar 25, 2019 9:44 pm
Great news! We are always here for you!
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.
http://kallis3.blogs.iva.co.uk

Foggy

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Post by Foggy » Tue Mar 26, 2019 8:04 am
Good news -- Well done !
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
http://foggy.blogs.iva.co.uk
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