I have approached payplan to ask if we can take a payment break for one month, my daugther is getting married and I feel such a failure for being unable to help her, one month isn't much but at least it would be something. I am waiting for payplan to come back to me.........
What should be a happy time for us is tinged with sadnessthat I havent been able to do this last thing for her, I know times have changed but I'm quite old fashioned in thinking that the parents of the bride should contribute,she say's she understands bless her but that doesnt make things any easier. Please Payplan come through for me.
Karen[:(]
I have just had a reply from Payplan, they cant allow me a payment break as this would be classed as a luxury but they would let me pay a token payment in November and then pay it back before my annual review. Not sure what to do, I dont want to make things more difficult each month but at the same time I really want to give her something, our payments are £900 per month joint but would I struggle to pay this back arghhhhhhhh. I'll have to sleep on it I think.
Unfortunately Karen, even though I agree that it would have been nice, Payplan are correct in that is classed as a luxury. My daughter can't get married at the moment, much as she would love to, as we can't afford to contribute anything so she has to wait until I retire or fund it herself.
At least she understands what is going on and I am sure she is fine with that.
Just enjoy her day.
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
Hi
They are miserable I would go through your income and expenditure again and see what you can get knocked off You are paying a heck of a lot per month !!
Married or not dont worry about that you are her mum thats priceless ok and you can always do something nice when you are finished with your IVA you are doing your best to sort the problem out stay strong and yes its tough and somethings are not nice to deal with when they happen been there done that and doing it now but its got to be done
You can get married on the cheap they did it the old days
Sorry Hippo, much as I sympathise, the rules are the rules and this would be classed as a luxury.
The I&E has obviously been worked out and if the OP is struggling then they should go back to the IP.
Some people don't want to get married on the cheap - my daughter is one of them!
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
My point was cut your cloth accordingly
I want a ferrari and a mansion and live in Australia etc etc
If you want to get married then do so but why pay a load of money just for 1 day just to show off to others Marriage is about 2 people only and nothing to do with anybody else or a show of wealth
I would have thought thats the idea of marriage not how much you can pay or want to pay
Or am I wrong in thinking that to get married you need a set limit of money : ) and the more you pay the better you are than everybody else
AS you are in an IVA I would have thought that to '' blow'' loads of money on 1 day it would seem the IVA process hasnt taught you very much
I think we would all love to blow loads of money on a daughters wedding day - I know I would and I am in an IVA.
Mine has to wait until I retire, which hopefully will be in the next couple of years.
I had the best day for my first wedding (ok it ended in divorce - not all my fault) and the second one we funded ourselves.
I want the best for my daughter when she gets hitched and she knows she had to wait for that.
I have learned my lesson but my daughter will get her day!
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
If it's a girls dream and you can fund it then go for it. It's not everyones cup of tea for a big wedding but I would love one for my daughter and understand the OP. Hope you can get something sorted, if not why not wait until you're out of the IVA and use the first month of what you would have paid into the IVA to give them a treat of their choice. xx
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
You can have a good wedding on a small budget but whilst in an IVA then it's really not feasible for parents to fund a big one. It all depends, I think, on what the bride wants.
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
My daughter is 18 in October and I've arranged a small party for her, we've got the back room of a pub (how classy!), my cousin's husband is doing the disco and there is no food. It will cost me the most some printer ink as I'm doing a lot of pics from throughout her years (some she really wouldn't want others to see). Not what I'd have liked to have for her but I think the surprise will be worth it x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
Just a point - IP's cannot sanction payment breaks (unless it is for the formal six month break in new IVA protocol proposals). IPs can listen and understand when their clients say that they cannot make a payment, but at the end of the day that will be treated as a missed payment and recorded appropriately.
I don't think they would sanction it for a wedding though Mel would they?
We took my daughter and a friend out for a meal for her 18th as that was all she wanted then (she was offered a party but declined) She had a party for her 21st at home.
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
She'll be the centre of attention and have a brilliant time.
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'm an odd girl...I'd like a small wedding...village church and a marquee on the lawn at home. My boyfriend on the other hand wants 300+ people, Canterbury Cathedral and a black tie dinner! Seriously. Will and Kate had nothing on his grand plans!! Still - he knows that if we go that route he has to pay for it. I don't think it would even be fair to ask my parents to pay for him to show off.
thats priceless ok and you can always do something nice when you are finished with your IVA you are doing your best to sort the problem out stay strong and yes its tough and somethings are not nice to deal with when they happen been there done that and doing it now 
