Hi all - thank you for your lovely comments & support, I felt alot better after I posted and shared my troubles with you.
I've just phoned GT this morning to request a months payment break, I've had to email copies of the failed MOT certificate to them & wait there response now. I've asked to pay back the break over a period of 4 months, so I've done all the working out for them!
My Dad claims mobility allowance for my Mum & yes there too old to get the Car component part

My Dads still plodding on, but he is blind in one eye from a accident before I was born & the other has Cataracts & now needs a operation. But the consultant he was under has been cut in the cut back so we fear dad will have to wait longer & he is already very bad. He's terrified of going blind before the operation & that really would make life difficult for me to care for them.
I've never thought of asking for a F&F and to be honest I'm to scared too! We have plodded & struggled through this whole process & Im very proud we have got this far & I dont want to mess it up!
My husbands work which is in hospitality hes a head chef, have brought in a clause that if there is no work as in guests, then they can be laid of for 2-4 weeks at a time. He would be last one out of the door but after working there 10 years, they do end up with weeks just before christmas & after new year where the hotel closes. I might have to ask for a F&F if this happens to him this year.
I dont want to have anything spoil my time with Leah, she's my last baby and after having post natal depression with the boys, I felt I missed out.
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