Hi this maybe a bit long winded but ill try be quick..

[Traceym]

well ive stopped paying as the funds physically are nt there and they are aware of this.

[Tina Shortland]

Glad to hear your IP is working on something for your Tracey. Hope it all goes in your favour and you are coping ok after the recent changes at home.

Best wishes,

[Traceym]

Hi all got a bit of an update so having been told to wait to hear whats going on i came home to a letter in the post from VN and to my utter shock and disbelief i have been issued with a breach of conditions letter.... what on earth do i do i only have 5 months left.

i stopped paying causeiwas told to and now this has happened???

help please

[plasticdaft]

Get a letter confirming you were told to stop paying.

Also ask why vn have decided at such a late stage to chase ppi up?

They are becoming rather annoying given that ppi claims have been doing the rounds for a few years now!

Paul

[KAYKAY]

Give your company a ring... it could be that this is just a standard letter that goes out when payments are not received. We got an I&E request very close to our completion, when we contacted your company we were told to ignore this, as it was an automatically generated letter that goes out to everyone. Let's hope that this is the case for you.

[kallis3]

Hopefully Gareth can pick up on this and assist.

[Traceym]

well this is gonna be a very very tight xmas.... having spoken with my IP last nite he is now saying that i can afford to £200 per month i dont quite undrstand where this is gonna come from i agree on paper it does seem like that but in reality i dont understand how im gonna pay it. i only have 5 months left and this is really starting to get to me. i say 5 months but i then have some arrears to clear as well. so this could turn into another year yet!!!!!

[Traceym]

Right bit of a long one again but after finally agreeing the above and just recieving the paper work and creditors have been informed. I awoke saturday morning to some very annoying post in the form of adjusted housing benefit and council tax benefit so long story short they are now saying they have over paid me and i am not entitled to as much as they first thought. So where does this leave me..... well the £200 VN worked out as my disposable income is not in actual fact going to have to go to rent and will leave me no disposable income.

So am i right in thinking that they will now again have to write to my credititors asking to accept everything to date as full and final??? i am so close but things keep popping up now that are making me think things are gonna go all arong at the last hurdle???

[kazzafunk]

First thing Monday morning I would ring the IP and explain what has happened now. Hopefully the creditors will see sense and accept payments to date to end the IVA.

Ther eis little sense in failing an IVA when you have come so far.

[Traceym]

thanks kazzafunk i have already scanned and e-mailed it ver so they should get it first thing monday morning.

[kazzafunk]

Great - all you can do really. Let us know what happens.

[kallis3]

Good luck Tracey and let us know how you get on.

[Broke of London]

Good luck for Monday Tracey! I hope they can work with you to bring this to a close x

[adam090376]

Good Luck

[kallis3]

Fingers crossed Tracey!!