Bankruptcy

[chardonnay]

Hi Jojo,
I'm so pleased for you, enjoy the freedom and renewed spare pennies.
Your post was, once again, inspiring, and I am actually looking forward to moving on and becomming debt free. No matter what happens it can't be worse than what has already happened.....
Thanks [:)],
Chardonnay x

[debtmountain]

I'm glad things went well for you both today Jojo,[:)].hope it continues to get better for you as well, you deserve it!!..take care...xx

Good luck Chardonnay as well, it's good to see you sounding much more positive about things..xx[:)]

[Julie]

Glad it went okay Jojo - now you can move on to a debt free future xx

[tori]

I'm so pleased the OR interview went okay Jo. You must be so glad it's all sorted now...and that's fab news re the IPA ! At least now you can concentrate on enjoying your life without all of that stress and pressure hanging over you. Good luck with everything...take care of yourselves[:)] xx..

[chardonnay]

Hi All,
Sorry I'm having memory failure!
What is IPA? I know I know the answer, but I just can't get it to the front of my memory - the joys of old age and financial worries!!
Chardonnay

[kallis3]

It's an Income Payment Agreement Chardonnay.

[chardonnay]

Hi and Thanks Kallis,
That's what I thought but isn't it funny how you doubt yourself at times like this??!!
I take it that is the amonunt of disposable income you can give to the OR?
I hope you are well and thank you so much for all your help and support.
Chardonnay xx

[kallis3]

I'm fine thank you Chardonnay.

An IPA is made if you have over £100 disposable income a month after your priority bills are paid. You would be expected to pay between 50-70% of that.

[kallis3]

That's for three years by the way!

[jojo]

Hi everyone! Thanks for your kind comments. I am now looking forward to actually having money to save! Chardonnay - it will be fine! I think I cope by just thinking of the positives! Good luck again!

[chardonnay]

Thanks jojo,
To be honest it can only get better. I just want to be able to live yet have enough left over for essentials. I missed a family funeral as I couldn't afford to travel and that hurts. I have no idea when I will have enough spare cash to go and say goodbye and pay my respects.
You have been inspiring, lets hope mine goes as well!!
Thanks again,
Chardonnay

[jojo]

Hi everyone! Well it's been a couple of weeks now since the bankruptcy and we sent back all our paperwork yesterday to the OR - it was like two books with all the IVA paperwork in it! I'm glad they pay the postage! Will hopefully hear from them soon if there are any probs! Hubbies car failed it's mot miserably this week and we can't afford to fix it, but as he's worked on cars before he's going to leave it on drive and do it himself over the next couple of weeks. In the IVA this wouldn't have been an option, but now we can afford to buy the parts!
I have also just lost part of one of my teeth and the filling is coming out! Phoned dentist helpline and it's not an emergency and I'm not registered with a dentist as there are non taking on nhs patients around here! I have just had a look at private prices and have decided I will just have to live with it!
Jox

[kallis3]

Nice to see you being so positive jojo. Glad that things are coming together for you.

I do hope the rest of your filling stays put!

[jojo]

Hi Jan, thanks. I really hope it does too! I don't fancy going to the dentist and I really don't want to pay a fortune for the pleasure!
x

[kallis3]

Don't blame you! Your teeth probably cause you more trouble than anything in your body and they cost a fortune!