Melanie I'm sorry for what I said to you as I know you've helped many people.
I felt that you were talking down to me and I think that is totally unfair.
All of those people on here have had what I've had but they had light at the end of the tunnel with an IVA.
My misery has just gone on and on in spite of doing all that I could.
Like I said I'm not an irresponsible borrower and always paid plus I have always paid my agreed amounts and more.
I feel I've already lost everything. I've sold all that I have in decent clothes, jewellery and furniture to give to these people. I feel they just want blood.
Plus I begrudge when they sell on to debt collectors for a pittance why not let me pay it off at that rate?
Last edited by ladyc on Wed Aug 12, 2009 9:02 am, edited 1 time in total.
By the way Captain Sensible I paid in for any benefits I get.
DMP's are advertised as a long term debt solution. I was doing all I could to shorten that. Already my creditors have had a good percentage paid back to them. It seems the more you pay them the more pressure they put on.
Anyway, don't be so judgemental and don't say that my benefits come out of the public funds, they are what I paid in for!
captain sensible wrote:
\"But is it right for the same benefit money to be used to fund cigarettes and alcohol purchases?\"
bit of a sweeping statement there, don\'t you think?
Ladyc: have you looked into bankruptcy? I think DMPs are ok but only as a short-term measure, whilst you considering your options
I didnt make a statement I asked a question which you havent answered!!
Discharged today the 8th feb 2012. View is much brighter now.
Continuing to rebuild our credit worthiness.
What I meant by my question was that given that Captain S has pointed out that benefits are for people to survive,should luxuries be accessable to those receiving benefits?
The area I live in has a high proportion of single parents,yet they almost all manage to get to the pub more often than I can afford to,all have sky TV and mostly smoke like chimneys!!
Perhaps we are heading down a line thats not really for this site.
Paul
Discharged today the 8th feb 2012. View is much brighter now.
Continuing to rebuild our credit worthiness.
Captain Sensible is talking about income support and lumping all benefits as this.
I think mine are no different to an insurance policy. You pay in for it and when you need it you take it.
It is not means tested and I'm not a scrounger.
My money is as good as anyone elses.
I think we should lock this topic down now. Ladyc has her opinion as we all do and it is down to her what she decides to do and if we do not agree with it that is our right.
Ladyc I hope you find some peace soon and can get on with your life and put this nightmare behind you.
Hi
Skippy is correct to lock this topic before it gets out of hand, however it is an important area that needs debating in a civilised and non judgemental way. I have re-opened it so that we can continue the discussion but will lock it again if it becomes too heated.
My own view is that an IVA should be open to all, even if the income is just from benefits. Creditors lend on this basis so why should they not accept a debt solution on the same basis ?
Regards
Hi
It is not fair that someone has to enter a neverending DMP because they are on benefits when an IVA is more suitable.
As Size5 stated earlier it is possible to have IVAs agreed where income is benefit based, you just need to find an IP willing to propose it for you
Regards
Plasticdaft - my husband had a samaritan client on benefits - the very minimum - all means tested - one of the client's children needed clothes so she went to a money lender - when my husband calculated the interest is was 1600%. Fortunately a solicitor, pro bono, has taken this on board - not quite on the subject but an indication of the suffering some benefits people have to pass through. Just for the record I believe a benefit recipient should have an IVA if possible and of benefit to all involved. J
