Well hubby and his fellow employees all 6 of them called into the office this morning, I knew inside it wasn't good news.
He rang me, £25 travel money gone, 75p per hour pay cut for all of them. I can't afford to lose this as all my fellow people in an IVA knows you can't just lose that kind of money as we're living without luxury as it is.
I know I need to contact my IP and I'm just awaiting hubby's return from the dentist....yes more money and have a chat then an email will be sent.
My IVA seems blighted from the onset, £809 boiler repairs in the first two months, dog ill - vets bill as have never been able to afford pet insurance, washing machine broke, a suicide from a close family friend, my brother age 45 passes away, I've played catch up with payments from day 1 of the IVA and finally this year we caught up and now this. Just recently I've been able to purchase a new freezer and a new fridge as my others were broken with my own contingency and boy did it feel good.
Today it's as though someone says, everything is going smoothly for Lesley, let's kick her again!
I know I'm being a drama queen and apologies but I go to work and cry after hubby tells me and my friends all supportive say you can make a few cutbacks and come through this, if only they know it's not that easy when in an IVA but they don't know that so they're only trying to help.
Woe is me, I have my health and the best IP behind me so I shouldn't be moaning but it's off my chest now and the keyboard has taken a hammering!
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
lesley please have a good old moan, if anyone deserves to it's you! As you say you've had ZERO luck.
My deepest sympathies for this latest rotten luck, I'm sure you know we are all here for support and advice. I just hope something can be done for you by your IP. [:)]]
XXX
1st payment Oct 2008, last payment Dec 2013. Certificate received March 2015 due to PPI claim.
So sorry to hear about your rotten luck Lesley. I do hope that your I.P can sort something out for you. You're always so supportive to others, I've got my fingers crossed for you.
Let us know how you get on
x
Oh no, thats so not fair, it always falls that way doesn't it. I really hope your IP can sort for you.
As for being a Drama Queen....uh huh, no your not. You're being human. Worrying about it is normal and stressful and you've every right to be upset and have a need to cry and rant.
Am keeping my fingers and toes crossed for you hun xx
Thank you both, I've just looked at his badly written letter and I've emailed my IP, luckily I've one of the best IP's if not the best in my opinion in Melanie. xx
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
You are not a drama queen Lesley. I know how hard this journey has been for you and hope that Mel can come through for you.
You know where I am if you need to rant or need a virtual hug.
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
Sorry to hear your new Lesley. I suppose on the flip side your OH is still in employment, and yes even the slightest of drop off's in income can render an IVA unmanageable.
Mel will no doubt sought this for you. She has been good with us, as I am only just returning back to a new job after being made redundant, and it is paying less.
Needless to say Melanie has worked her magic, and no doubt can do the same for you.
Thanks again everyone. Hubby is totally gutted so it's not all about me, he loves his job you see which makes it worse. Hopefully I'll have some good news one day x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
Its hard on you both but you have each other and all of us are willing you on. I know you'll find a way to make this work, partic with Mel fighting your corner.
The good news is that the meeting wasn't redundancy as you first feared.
As an aside, your husband will need to formally agree the chnge to his salary and benefits. Would the company consider negotiating a smaller pay cut or reinstating the travel money in light of your financial situation? A long shot I know...
Hi Lesley I strongly disagree that your being a drama queen.....you've really been a wonderful help and support to many of us on here and clearly this has been at times even when you yourself have been fighting an uphill battle.
I am sure together with your IP you will again clear this latest hurdle to clear your debt and make life better for yourself and the family, which so many on here that you have helped know you strongly deserve.
Good luck Lesley and as always my wife and I send our best regards.
YOUR A STAR!
I came into this world with nothing and still have most of it left!
BOL. One of my husband's ideas was to confide to his employers about the IVA, I'm just not comfortable with this at the minute but it's an option and one I haven't dismissed, I'll speak with Melanie in the first instance and get her professional view.
I am so grateful for all your enocouraging posts and it certainly shows what a great support network we have here on the forum. xx
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
Lesley my Company have had 3 phases of redundancy this year alone...each of which has gave me sleepless nights. The last (only a few weeks ago)was a notice stating that 4 (of around a staff of 25)would be made redundant 3 days later.....then after 3 days they put up a notice stating they would not require redundancies!
I am now at the stage where if I can keep my job then great, if I dont the so be it.....as you say sometimes it just seems that however hard you try theres always someone wants to put the boot in. I really want to successfully complete my IVA but if I cant then it will not be, on my part at least, for the want of trying. It just gets very draining at times trying to juggle house, car and living expenses in such a tight position.
I really wish you luck.
I came into this world with nothing and still have most of it left!
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
