Hope you get this sorted soon.We were looking into variation as we struggling massively with childcare from a family member due to illness and was looking at reducing my hours to suit the needs of the family and not have the constant stress of it all and for their health too but with the threat of bankruptcy if it wasn't accepted frightened the life out of us so having to take each day as it comes
I know how you feel Struzzo39 I am totally stressed out at the moment after all these problems over equity. I do hope you get something sorted. Who are you with?
So sorry that you do not feel that you are being properly looked after by your IP. If it were not for our clients, IPs would not be in business - and we do need to remind ourselves of that occasionally!
Just an update, Payplan have agreed to remove the clause about bankruptcy although they have pointed out that creditors can still make me bankrupt as I have been unable to re-mortgage. So I am just going to hope that they agree to the 12 month extension I have rechecked all my paperwork and there is nothing in there about 12 months in lieu of equity although I was lead to believe was. Moral here CHECK YOUR PAPERWORK VERY CAREFULLY BEFORE YOU SIGN IT.
I would like to point out that I have never missed a payment during the 5years or had a payment break and in fact paid an additional £9k to at was originally expected.
Keep your finger crossed for me please.
The likelihood of your creditors wanting you made bankrupt is about as likely as me getting a date with Brad Pitt. It simply won't happen, and it had no place in that suggested variation.
It has still been pointed out to me Melanie by Payplan that the creditors may make me bankrupt I have received no re-assurance like you have just given me.
May I ask one more thing Melanie it has been mentioned to me (not by Payplan) that my IVA should have under 2008 protocol. Would this have included 12months in lieu of equity in the original proposal. As my IVA was taken out in 2009 surly it should have been covered by this.
Without wishing to be unkind I hope you do not get a date with Brad Pitt!
The IVA Protocol is optional, and not all IPs have bought in to it, so best to check with Payplan directly if you are unsure about whether you have a Protocol styled IVA - notwithstanding that this should be very clear from the proposal.
font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Originally posted by MelanieGiles
Utter nonsense - and I don't mean about the date!
The IVA Protocol is optional, and not all IPs have bought in to it, so best to check with Payplan directly if you are unsure about whether you have a Protocol styled IVA - notwithstanding that this should be very clear from the proposal.
Hi Melanie
Could you please contact us regarding our current case/F&F offer with you. I have asked Natalie to give you all the details.
so having to take each day as it comes
