hello

[flumpy dog]

feel like such a disaster im gonna get it sorted. im just so stupid [:(][:(][:(][:(]

[kazzafunk]

FD - I really don't think it's that bad honey. At least you have done it for reasons that can be explained. Anyone dealing with cancer affecting someone close would be at their wits end. You need to stop beating yourself up about it.

Yes you missed a payment. Is it the 1st payment missed? I'm sure if you have explained the circs then they will try to help you. They are human after all. You've come so far through the IVA it will be silly to just let it all go now. As you say you can make it up and maybe if they are sympathetic it would be better to add it to the end so you don't struggle in the next few months.

If you are needing extra money to travel etc, they may be able to reduce your payments by up to 15% until things are sorted.

Please please don't worry - I thought you'd killed someone!!!

[flumpy dog]

awww thanx honey ive been in tears for what seems like a week.

ive been so good 30 straight payments then i balls up. i didnt contact the ip because in my ditorted thinking it wouldnt been seen as a bonafide reason to do it i just had to but ive come so far and it would be a travesty to not continue. ive got a small amount of overtime coming up and am gonna get rid of it fast im just praying it will be ok. i cant ring cos i will be in floods im emailing at mo best way so sorry you dont know what a relief it is to talk thanku xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx

[kazzafunk]

There is no point in worrying and making yourself ill when your sister needs you to be strong.

I am sure that if you have put it all down in an email and tried to explain just how bad you feel, it won't be a big deal. You may get a rap on the knuckles but I'm sure you are big enough to take that. If you are proposing to repay asap then even better.

But...don't overstretch yourself. 1 more payment at the end would be better than making things hard, especially if you are incuring extra expense.

Hope you feel better now for getting it off your chest.

Let me know on here how things go will you?

Got to go to sleeps now as I have to be up for work early and my damned back is giving me a few probs so gonna hit the valium.

Take care.
x

[flumpy dog]

ok thanx hun youre an angel xxx

[Shining]

Hope you do feel better today FD? even a little more positive is an improvement? x

[Julie]

Hi there FD - lovely to hear from you again, but I'm so sorry to hear about your sister. [:(]

Listen, don;t beat yourself up about the missed payment. Okay, you didn't go around it the right way, but you had a lot on your mind and still have. At least you are addressing the situation and I'm sure your IP will work with you to get back on track.

Please keep your chin up and let us know how you are xx

[flumpy dog]

awww thanx hunny getting it sorted and thanx for asking after my sis. we've got some hospital visits with her this week
and that payment thing will never happen again xxxxxx

[kallis3]

FD - if you need to miss a payment that is ok. You just need to keep the company informed as to why you need it.

[flumpy dog]

i didnt ever want this to happen hun yes i went about it cockeyed. luckily the girl was lovely-not sure what mel thinks but hopefully shes not mad with me.

gonna throw everything at it to clear it

you were a real pal yesterday i needed that clump xxxxx

[kallis3]

I am sure Mel is fine - you won't be the first this has happened to and you won't be the last!!

[flumpy dog]

well ive learned a valuable lesson and also how much i still need you guys xxx just wish i could be of use to you lot sometimes too xxx

[kallis3]

I am sure you will be at some point FD.

[flumpy dog]

awww thats good to know xxxx[:o)][:o)][:o)][:o)][:o)]