well things are looking grim.. our income has dropped by about the amount of our IVA, got nothing spare!! Melanie is going to call us next week. Hopefully shifts will start up again regularly so we can at least pay somethng.. Haven't felt this down since pre IVA!!
Can honestly say for the 22 months of our IVA.. I'm worried sick for the first time!!
Thought we had it sussed, why can't life run smoothly.. EVER!!
Ang, I'm so sorry. I can understand how worried you must be.
I'm sure Mel will sort something for you.
Thinking of you all.
xxx
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 just feel sick, Jan!! I work for HMRC so bankruptcy isn't an option for me!! Just hope things pick up and only have to maybe miss a payment or 2..
We're always so careful, and haven't missed anything for emergencies we've just coped and now things are out of my control I feel vulnerable, and as if things are slipping away
I can imagine that you do feel sick. Bankruptcy wouldn't be an option for me either due to my job and the equity in the house so that is something that worries me also.
You're on a par with me time wise and I would love us to complete at the same time.
A payment break does seem the sensible option at the moment.
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
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
I am sure that Melanie will agree a way forward with you angela18, many IVAs run ito trouble at some point so IPs and creditors are quite used to this.
Good luck and hang in there
Regards
Hi Ang I'm with Melanie and have had mine and your share of payment breaks due to one thing and another, Melanie is very fair and will find a way forward, if you miss a couple of payments like I have you can either tag them on the end or as I prefer to pay a nominal bit extra to chiop away at those arrears.
Big hugs to you xx
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
I dont know if theres a maximum time limit for a break but given that you have made 22 payments,and have the best of IP's I am sure that something can get sorted out.
Before I started using this site I thought we were the only family that had disasters,but its nice knowing others have had similar problems and get through things,which I am sure you will Ang.
Paul
Discharged today the 8th feb 2012. View is much brighter now.
Continuing to rebuild our credit worthiness.
