[helen534]

Wonder if anyone can give me some advice or experience.
I've just read some reviews that creditors have voted no if a catalogue has been used in last 3 months I've just checked and I used very in June for the amount of £46 Before that was over 3 months ago.
Will it be refused because of this? Anyone had any experience with this at all?

[Foggy]

Any creditor who votes "no" will need to have a "no" vote of over 25% (by value of debt) to swing a refusal. Catalogue debts do tend to be small in comparison to other lenders. so. hopefully, they will not have the clout to get a refusal, even if they do vote "no" and will be bound by the IVA anyway.

[helen534]

Thanks foggy
My main creditors are
Aqua £4500
Vanquis £4000
Natwest overdraft loan and cc £3600 total
Very would be 4th with £2400
But there is 11 creditors all together but natwest are 3
Pounds to pocket £1500
Provident £1600
And the others are under £1000
Total debt is £20k

[kallis3]

I am sure you will be ok.

[luluj]

I would hope you will be ok ... you won't be alone in this scenario. Be sure to let us know how you get on, on Wednesday ..good luck x

[Mrs_Brown]

Hope all goes well today, let us know how you get on.

[Ryan]

I echo the thoughts of the others, I'm sure it will be fine. All the best though.

Regards

[Foggy]

Good luck for today's meeting.

[kallis3]

Good luck from me as well.