Hi,
I'm still without heating, ( my heating system was condemned a few weeks ago) I simply can't find anyone willing to lean / beg or borrow from.
I'm not on benefits so not able to receive any help from government. I'm on a iva so unable to achieve finance. Iva break won't help funding issues. All my saving & iva break won't generate enough income.
I would strongly recommended people have a serious think about going bankrupt.
Hind sight is wonderful. I'm without heating with small children & working. There is no help for people like us.
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
sandybrowneyes2002 wrote:Hi,
I'm still without heating, ( my heating system was condemned a few weeks ago) I simply can't find anyone willing to lean / beg or borrow from.
I'm not on benefits so not able to receive any help from government. I'm on a iva so unable to achieve finance. Iva break won't help funding issues. All my saving & iva break won't generate enough income.
I would strongly recommended people have a serious think about going bankrupt.
Hind sight is wonderful. I'm without heating with small children & working. There is no help for people like us.
It is an unfortunate situation to be in, but, had you not gone into the IVA, would it have been any different ? You credit rating and being already overstretched would have stopped you getting finance on a heating deal anyway and you would still not have the income to buy outright.
I would suggest you take a payment break to at least get some electic panel heaters and concentrate on getting one room warm.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
With the turn in weather next week I agree - a payment break now will.give you time to buy some electric heaters - ok not a long term fix but will keep you warm until it can be sorted
I would make an appointment with the citizen advice bureau to see if they can offer further support through third party providers to families in difficult times.
Sharing from experiences of dealing with debt
There is a solution for everyone .... Just need to stay positive !
