Hi allan
I don't think that moods do affect the creditors, but a lot of them are revisiting their policies at the moment which is resulting in differing attitudes over at different times.
As a professional, I hope that we do not see a "2nd time lucky" process developing, although sadly it appears that way at the moment. If IP's and clients get it right first time, knowing that certain creditors operate under certain criteria, this should be unecessary.
It's great that creditors have now accepted your proposals. Good luck with the IVA!
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