seams a shame! that it going to fail.appreciate they have broke rules but no ones perfect..we all makes mistakes..just need to learn from them! good luck
When I started my IVA my Nominee / Supervisor fees were clearly set out - if I disagreed with any aspect of these then clearly it would have been 100% my responsibility to pursue any request for a variation thereof AT THAT TIME. Fortunately - for me at least - my IVA company have been excellent in this regard.
There are endless posts on the forum about people "needing" a car and the massive expense that goes with that. As someone who works in London - but lives way way outside of London (but happily puts up with the pros and cons of public transport to ensure that I save the most possible for inclusion in my IVA) - are all posters SURE that they actually need a car??? Try public transport - I have done it for years and it is both good in terms of reliability and cost - the tube and bus / 24 hour night bus services in London really make it totally unnecessary to have a car in London).
We dont all live in London. I live out in the sticks and we have next to no public transport. The last bus is around 7 o clock at night and then through the day they are not very reliable.If we get the slightest bit of bad weather then everything comes to a halt. I do need a car as I am a cleaner and have to carry equipment and pick up ironing and I couldnt do this on the bus.
Thank you Carole - I know that the position outside of London can be totally different. But I know from reading the forum over the years that some people MAY (I use the word cautiously!!!) be able to avail themselves of the situation in London. We have the luxury of regular 24 hour all night buses - 7 days a week - to the extremities of London (Essex, Kent, Middlesex etc.). I just hope to make sure that this option is known to all those resident in thr relevant counties - so much cheaper than a car.
I live in the South East and there's no way I could manage without a car. Yes there is public transport, but I would struggle to get to work as there isn't a direct bus.
I would have to walk half a mile, and catch three buses. I'm a shift worker and no way would I be using public transport after ten o'clock at night!
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
I know that for many posters outside of London - the thought of 24 hour 07 days per week bus services may seem strange - but it does exist for people in Central london, Essex. Kent. and Middlesex. Just take a look at www.tfl.co.uk. No excuse for a car to be honest. Less petrol - more money to your creditors.And quite right too.
I'm in Middlesex and I can assure you that public transport is not as great as you seem to think! For me to get to work (either early or late as I can't get a bus for the right time) would take me an hour each way on 2 buses as opposed.
And there is no way that I would use public transport on my own at night!
Not everyone has the best public transport, and even if we did, some of us prefer our car, regardless of how much they cost to run and regardless of where we live!
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
Well Skippy - it depends on where in Middlesex you are - if you are in the Uxbridge etc. area then the Night Bus is every 15/20 minutes nightly (I am sure you know that). And on the many times I have used it it all sems O.K. Plus of course the Met line runs until 0030hrs. from central London. Never had any problems - and very environmentally friendly - and cheap. Check out the tfl website - the night buses go all over the place - and a travelcard is mega-cheap.
Optimist - some of us females are not comfortable travelling on public transport at night, regardless of where we live and you should respect that.
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
As I'm not in Uxbridge I have no idea of the bus service there.
Jan is right, some women (and I'm one of them) don't feel safe on public transport at night.
An IVA is supposed to be a way of paying back to your creditors as much as you can COMFORTABLY afford and it doesn't mean you have to do the whole sackcloth and ashes bit for 5 years.
My car is also quite cheap to run, and gets me too and from work on time (public transport won't), gets me to the supermarket (I can't carry all my shopping on a bus) and I know that once I am in it and the doors are locked I'm safe.
I used to work in the centre of Birmingam and sometimes finished at 9 at night - no way would I have walked across the city to get the train home, or indeed travelled on it at that time of night.
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
