right that you are allowed to include smoking ?

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Skippy

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Post by Skippy » Sun Aug 23, 2009 6:26 pm
That should be ok for us!
 
 

kallis3

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Post by kallis3 » Sun Aug 23, 2009 6:30 pm
That will be fine for me as well! Looking forward to it already!
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.
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zim zim

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Post by zim zim » Sun Aug 23, 2009 6:30 pm
I would be interested Andy. I missed the one in Portsmouth due to unforseen problems-That said, i would most definately like to meet some of the people on here!

Regards zim zim
 
 

Julie

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Post by Julie » Sun Aug 23, 2009 6:30 pm
I can make that...unless the footie fixture list changes [:I]

Be great to meet up with you all xx
 
 

kallis3

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Post by kallis3 » Sun Aug 23, 2009 6:31 pm
Julie! I'm sure we're worth giving the footie a miss for a week![:D][:D]
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
 
 

Julie

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Post by Julie » Sun Aug 23, 2009 6:36 pm
[:0] Jan....even my girls and hubby come second to my beloved Swans!

We're playing on the friday night that week so I'll be there [:)]
 
 

Julie

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Post by Julie » Sun Aug 23, 2009 6:38 pm
should we start a new thread for the meeting?
 
 

kallis3

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Post by kallis3 » Sun Aug 23, 2009 6:56 pm
We should get Andy to start that I think.

It will be good to meet you finally Julie.
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
 
 

Julie

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Post by Julie » Sun Aug 23, 2009 7:22 pm
[:0] this is sounding like fate ladyH [:D]...be great to finally meet you all and say thabks in person for the support you have given us xx
 
 

kallis3

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Post by kallis3 » Sun Aug 23, 2009 7:37 pm
Fingers crossed!
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
 
 

jessicarabbitgirl

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Post by jessicarabbitgirl » Mon Aug 24, 2009 9:48 am
You do have to be in the right frame of mind to stop smoking and I am sure many of the ex smokers on here will agree that the more somebody else tells you to stop the more you want to smoke.

I found I have only been able to stop in circumstances when it was my decision and I was in the right frame of mind.

Its the same with the IVA, being told you cant smoke just makes you want to smoke more.
I am debt free. I am debt free. I am debt free :-)
 
 

Michael Peoples

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Post by Michael Peoples » Mon Aug 24, 2009 10:11 am
Smokers are being forced to take tablets and wear patches. These are supposedly 'free' on the NHS but last year cost over £70 million pounds of taxpayers' money. The success rate for these treatments is less than 2% as opposed to 20% for those who go 'cold turkey'.

Doctors are paid to refer smokers to these smoking cessation clinics and the drug companies make a fortune dishing out useless products and dangerous in the case of tablets.

Going back to the thread, it is incumbent on IPs to do proper I&Es that allow clients to have a life and if that means the odd cigarette, beer, trip to the gym, keeping animals etc then that is fine. IVAs will run their course if affordable and sustainable and clients should not have to decide whether to feed themselves or their dogs or whether to turn on the heating or have a smoke.
Michael Peoples | McCambridge Duffy Insolvency Practitioners
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If you would like to talk to me about proposing an IVA or have any questions at all please visit www.mccambridgeduffy.com
 
 

Skippy

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Post by Skippy » Mon Aug 24, 2009 10:21 am
Michael, do many IVAs get accepted with things like gym membership?
 
 

althas

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Post by althas » Mon Aug 24, 2009 11:23 am
Michael Peoples wrote:


If you spent a whole day in a room full of smokers with the windows shut it may be unpleasnt but you will not die. Try it with car exhaust fumes and you will not last 15 minutes!!!
Not straight away Michael, sorry but, tell this to Roy Castle's family

Car dish out other polutants (monoxide etc) in vastly greater quantities, but over time, the cigs will kill you as well
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althas

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Post by althas » Mon Aug 24, 2009 11:27 am
ladyh wrote:

As I said to my son yesterday, I'm not a drug addict
Sorry Ladyh, but thats exactly what smoking is

But I have to say bravo to the majority of your post, you sound a thoughtful and very considerate person. If only all smokers were like this then a lot of the arguments would not take place I am sure
There are 10 kinds of people that understand binary, those that do and those that don't
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