Hey forum, hope your all ok,
In my recent post above I decided we were not going to try for a full & final offer of payments to date. But now I've had more time to think I'm not so sure I've made the right choice.
We are no where near having enough money to buy a car at the moment even with a months break, some overtime that's not much we are losing hope. Finding a car that's got a mot for 10/12 months for around a £1000 is not going well. My original plan is to save save save till we have abit more, but it's coming to light it's just going to hold us back on things we need.
We need to buy things to protect Leah & protect stuff from Leah! And now expenses are slowly creeping up in the household budget on baby milk, food & the boys needs with them growing.
The things in hold ate new mattress for the boys now they are dry at night. Our own bed has collapsed, currently being held up with bits of wood! with all the sudden bleeds at night (sorry for to much info!) I ruined our mattress & carpet which is cream (landlord choice not ours!) with my husbands back condition we really could do with a orthopedic/memory type one & a new base or something.
We moved into this rented property 3 years ago now & know the landlord wants to sell it in 2. I had hoped to start saving towards a large deposit as there are no private land lords in our area & estate agents check your credit file! So we are doomed when we need to move before we even start without a large deposit to offer because of our poor credit rating.
Im Really starting to wonder if this is really worth struggling onto to the end for the sake of our creditors. I know in the 4 years we have paid in around a £1000extra, probably more ive lost track, so if you knock that off what we are expected to payin the next 10 months, leaves only just over £1000 left, our dividend would not have much effect to end early.
I'm just pondering over it all n it's driving me mad so thought I would share.
Last edited by
MrsKnight on Sat Jun 02, 2012 4:59 pm, edited 1 time in total.
Final IVA payment made in April 2013, never ever thought we could do it or get through it but we did! X
An IVA.co.uk Mentor is someone sharing from their experiences of dealing with debt
Lyns x
