Shock horror is there anything we can do ?

[Julie]

I moaned about them on here enough Jan[:I][:D]

[kallis3]

Hardly moaning! You were treated badly by your IP and where else can you get such great advice and support than on here?

[Julie]

Jan, I don't say this lightly if it wasn'[t for this forum I dread to think what would have happened. The support and advice to get us through the IVA to BR process was fantastic. However, the support you all showed through our personal sadness was priceless and thats one debt we can never repay.

I wish creditors would try and help IVA's to succeed more - I think it depends on the IP too, such a shame to see IVA's fail.

[kallis3]

I was just so sorry that things didn't work for you in both senses.

You can't put a price on the support on here. When the chips are down you find out who your friends are.

Apologies for the cliches!

[Julie]

Can't beat a good cliche Jan [:D]

Hope it works out for Gina.gu

xx

[kallis3]

I hope it works out for you as well Gina.

Any questions, don't hesitate to ask.

[Gina.gu]

Hello, well I am back in from a long walk in the rain. Absolutely fed up. It was the walk or the bottle. It all started 18 months ago our baby was born with medical needs which meant a round the clock watch over him. Hours were reduced at my husbands work and it went on from there as I had to stay off for longer than expected. I really can't believe that my ip let us reduce the payment to 225 for over a year then this happens. We have thought about one going bankrupt one staying on payment plan but my partner and myself don't think that's fair. Would cause too much strain and guilt on our relationship. We don't want to go bankrupt as it means another 6 years of it being our our credit file and we want to start somehow to build a future for the children. The only other option is my mother has said she will pay the difference as agift to us but I feel guilty doing that too. Really mad as if we are forced into bankruptcy they will get less as we really have nothing. The furniture is all second hand the car is on its last legs...gosh need to stop feeling so bad. Thanks for all your support. Someone does care than gina

[kallis3]

We do care Gina and it is so bad that things have come to this.

I still think that BR could be an option even if it does mean another six years - you would get your life back again. If one of you went bankrupty you would have the same problem with the credit record.

It is totally wrong that you have been forced into this.

Big virtual hug from me ))))HUG(((( and I hope you don't catch a chill from your walk.

[Gina.gu]

Thank u feel a lot better reading these posts. I am quite a strong person, just been pushed a little too far. Makes it worse somehow my mother offering help. I mean aren't we supposed to look after the parents when we get older. I think my ip supervisor has been told off as she has been replaced and all questions as to where she is are avoided. We have been asking for a creditors vote for the whole year we have made 225 payments and were just ignored. Think I will have to sleep on this one. Really stressful as my partner just doesn't know where to look or what to say. Seems to be in shock as we were told last night very late. Had to chase the result of the meeting up too, hence the question about swapping ip company. Thanks again, saved me from the wine lol!

[Julie]

We really do care Gina - many of us have faced challenges during IVA's and know how stressful it can be.

Which IVA company are you with?

[Broke of London]

Hi - you made the right choice re the walk! You have lots of friends who care on here and will be there supporting you day and night. Your family and providing your child with all the support they need is the most important thing. BR will be over relatively quickly and allow you to concentrate on your family. It's not so bad...Skippy and Julie both have blogs which might help you make up your mind. If there are reasons you can't go BR then a DMP may be possible. Your IP can explain all the options in detail. Or you can call another firm if you feel let down by your current IP - the ones at www.iva.com all come recommended. Congrats on the little one! X

[kallis3]

It's enough to push anyone over the edge! I think it's great that your mum is willing to help as well - it's brilliant that you have her support and you can still look after her afterwards.

Take a deep breath and sit down and chat with your partner. I know how hard that is as I can remember when my husband found out about our debts, it was a really awful time.

We got through it though, as I am sure you will.

[Gina.gu]

Thanks everyone for all your friendly posts and support. It really has made a difference. Our baby is ok now, but as you all know an iva and sickness is not a good combination. You are right family is more important. I am just petrified of having to go to court and swear a true statement. Got visions of loads of people staring at us. Yes I need to take a deep breath. Can feel myself ranting lol! And try and keep my humour in all this. Just gets me mad that we struggled for 28 months with a poorly baby working and doing waking nights to make sure he didn't choke in the night then at the end you get a wet fish in your face. I think maybe the post about the creditors being annoyed with the ip as they had no input may be right. I am with payplan. Normally very good reviews I know. My new supervisor apologised on payplans behalf about everything that had happened and the way my case had been carried out. said she( my old case supervisor) has left the company. Doesn't help me though apology or not. Feel like the tango advert..a kind of orange colour thanks everyone again. Can I change my ip then? Does anyone know? I fell better now. Thanks for listening to my rant gina

[kallis3]

I am so glad that your baby is ok now but can imagine how worrying it must have been at the time.

I'm surprised at Payplan as I've always found them to be supportive, but obviously not in your case.

Unfortunately it isn't easy to change your IP as it involves going to court and would cost a lot of money.

You rant whenever you want Gina - there's usually someone around.

[Julie]

It is hard to change the IP Gina, you could complain about the service you've received.

Please think about the right step for you and your family, if thats going BR then so be it. Yes, your credit rating will be affected from the date of BR, but is that a big deal?

The court part of BR is not as bad you may think. I was terrified, but hubby saw the judge for less than 2 mins. Everyone was sympathetic and for our family it was the right choice.

So pleased your little one is ok - children are a gift [:)] xx