told that I should take my daughter out of college

[JuliaE]

Just been told I need 177 pounds worth of dental treatment!!! I bet I cant put that in to IVA? I am just waiting for the third thing to happen now. Is it cheaper to get denturesl ol

[MelanieGiles]

If you need urgent dental treatment, then I would be asking your IP if you can miss one payment to pay for it - or at least part of a payment.

Your income and expenditure account has complexities which I have already appraised you of directly, and I feel that you either need to come to agreement with your IP regarding your daughter's college expenditure or ask them to seek directions from the creditors.

[JuliaE]

Thanks Melanie but I would feel a bit cheeky doing that. i am staring to get worried now as my case manager called yesterday and left a message. She didnt sound very happy. I cant call her until I get home today. I cant just ring NI from work. I hope she is optimistic.

[MelanieGiles]

It doesn't cost any more to ring NI than it does to call any other number in England or Wales. Your case manager is aware that you have a problem which you need sorting. i would try and ring her as an absolute priority during your lunch hour or after work.

[JuliaE]

I didnt know that melanie. I will call as soon as I can

[OPTIMIST12]

Dont forget - a call to Northern Ireland only costs the same as a call to any other UK destination. It is not an International call.

Sorry - just noticed I duplicated Melanies reply.

[JuliaE]

Just to let you Melanie. I have spoken to CM and she says that they will make a new proposal to the creditors (variation) she doesnt think it will make any difference. But its a start. Thank you so much.. heres hoping

[MelanieGiles]

Keep us informed of the outcome, and at the end of the day do bear in mind that your daughter's future might be more important that paying off your creditors. Make sure you get a draft of the variation report prior to it being issued, so that you can see if the IP is recommending the offer. An IP's recommendation will go some way to getting a "Yes" vote on the day.

[JuliaE]

Thanks melanie, I will. I am just hoping it can be sorted. This site and you in particular have been instrumental in getting this far. So once again thankyou thankyou thankyou.

[JuliaE]

I think I may actually get some sleep tonight. For a change.

[JuliaE]

How long would it take for a creditors meeting to take place?

[JuliaE]

Just a thought... Will I have to pay for a creditors meeting?

[MelanieGiles]

Julia - these are questions you really have to ask your case manager directly.

[JuliaE]

Thanks Melanie. I will call this week.

[JuliaE]

is it unusual not to have an equity clause? What does it mean if you do not?