I've not been on for a while because I've had a lot of thinking to do & decisions to make.
After my meeting with Citizens Advice & reading through all the info they gave me, it does look like BR is my best option. I've been applying for jobs like nobody's business but haven't even had a reply.
I intend to apply for JSA as soon as I'm redundant on April 3rd which won't leave me with any money for my IVA.
I understand that I need to fail my IVA before I can apply for BR so I only need to miss 1 more payment which I will do at the end of this month. Does anyone know how long it takes for a Certificate of Non-Compliance to come through?
My IP says that I still owe £27,000 to all my creditors so I'm back to where I started 2 years ago. I feel so sh*tty about the fact that I've wasted 2 years & am scared to go BR but I've not had a good nights sleep since I found out I was losing my job. I've been going out of my mind with worry about going to court etc...
My parents & partner say that I will feel better when it's all over.
I know that BR is NOT an easy option but I feel as though I've nowhere else to turn now.
Thanks to everyone on here who has given me advice & support on my other posts.
If you have decided not to make any more payments into the IVA, there ought to be no reason why your IP cannot provide you with the Certificate of Non-Compliance at an earlier stage by mutual agreement.
