Hi everyone, not been here for a while but I hope everyone is getting on ok, I think for the last few months I've wanted to put the iva to the back of my mind really but being over half way now and on the downward slope I am amazed at how the time seems to be flying by.
Anyway, the last year has been a bit tough, I have been having massive problems with my back, endured through years of being a nurse but the long and short of it is, my back is wrecked, there is no surgical solution and I just have to cope with it as best I can, I have good days and bad days and pain relief and regular exercise helps to a certain extent. My job doesn't help but because of the iva, we're a bit stuck really.
My ip and team have been fantastic and since I saw the consultant last October are now looking to a variation to see if our creditors will accept funds paid to date which will then allow me to either reduce my hours significantly or leave my job and find an easier alternative.
We have a date for the variation, the 28th of this month so although it's been a few months coming, having that date to work towards is now bringing back all those nervousness sickly feelings I had the first time around 3 years ago. I'm trying not to get my hopes up and in the back of my mind can't believe for a minute that our creditors will accept what we've paid in so far £11k against an estimated £16k expected over the original 5 years on a debt of £55k so I'm still thinking we have another 2 years at least before I can find another job.
I'm trying to tell myself that Mel wouldn't put this forward if she didn't think it would be accepted but all the same, I'm very pessimistic, but that's just me, I'm always a bit of a glass half empty person.
Good luck. Hopefully you can find another health board post thats not quite so testing on your back. My job with the ambulance service involves much moving of patients from bed to trolleys etc and carrying up and down stairs so your back has my deepest sympathies!!
Mel is not in the habit of wasting her time on things which have no chance of success. Good luck.
paul
Discharged today the 8th feb 2012. View is much brighter now.
Continuing to rebuild our credit worthiness.
Hi Lem - I can sympathise with both your back pain and your feelings at present.
All I will say is with medical evidence I am sure creditors will look on this favourably. They did with our IVA and with Mel as an IP you know if she cannot get them to accept it no-one can!
Make sure you let us know when you get a decision.
Nice to hear from you Lem ... I fully sympathise with the back condition having five slipped discs myself ... Good and bad days here too. Hopefully the 28th will come and go and all in will be in your favour ....Mel and her team are there behind you all the way and as you mention it would not be being proposed if they had any doubts.....
Let us know how you get on.
Sharing from experiences of dealing with debt
There is a solution for everyone .... Just need to stay positive !
Good luck lem. I had those feelings too I couldn't wait for my meeting. I felt physically sick. That was way over a year ago. Mel is brill and it's great that she has requested the meeting for you. Looking forward to yr post on 28th x
