My husband works away from Monday to Friday last week it cost him £400 in petrol and hotels and this week he's in London and its cost him the train fare and 4 nights B&B again about £400.
The problem is that we use our housekeeping money and all our other contingencies to pay for his expenses. They only come back once a fortnight from his work and we just can't budget for it because we never know where is going to be working.
We have now been told that his employer will not be doing an expenses run before xmas. They owes us the best part of £800. We've got about £80 to see us through to the 24th and no food in!
We can't even build up a contingency fund and the car needs taxing this month!
Does anyone else have this problem and how do you budget for it? I wonder if our IP would let us have a payment holiday in January so that we can build up an "expenses pot" in another account to use next year and get his work to repay the money into the pot.
IVA completed September 2014. Finaly debt free - final dividend 88p/£
Contact your IP immediately and I am sure that they will be more than happy to allow a missed payment given the circumstances. You can normally miss up to three without your IP needing creditor approval and it seems the most logical thing to do to enable your IVA to continue. Produce any receipts or other evidence for the IP to have on file and I am sure it should not be a problem.
Most IPs are happy to help and want to be made aware of problems as and when they arise.This makes it easier for all concerned. Good luck.
Your IP will look at this sympathetically, but at the end of the day your husband's employer must give him a float to cover this. They simply cannot expect someone to expend this level of money and then no be reimbursed for it.
I agree with Melanie though - the employer cannot and should not put anyone in this position. Can your hubby ask employer if accounts can be set up for frequently used hotels? Not much help to you now, but may help in the future.
I have to pay out and get re-imbursed, but I use the company pool car as much as possible and have set up accounts with various hotels, so my expenses are kept to a minimum. It is a pain and I do sympathise with you.
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
Why not ask your husband's employers as to whether they would fund and give your husband a pre-paid debit card?
Regards, David Mond, Insolvency Practitioner for over 46 years. Personal Insolvency Practitioner of the year 2012, Personal Insolvency Practitioner of the year finalist 2013 & 2014 awarded by Insolvency & Rescue Magazine and 2015 finalist for Personal Insolvency Firm of the Year.
As their expenses are obviously still going to be paid in arrears every two weeks and they would be out of pocket for that time, I can't see how a prepaid card would help.
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
By getting the employer to fund it as they are expenses that are re-paid by them. If they gave a float and topped it up then the debtor would not have to scrimp and pinch from another pocket!
Regards, David Mond, Insolvency Practitioner for over 46 years. Personal Insolvency Practitioner of the year 2012, Personal Insolvency Practitioner of the year finalist 2013 & 2014 awarded by Insolvency & Rescue Magazine and 2015 finalist for Personal Insolvency Firm of the Year.
