hi MELANIE THANKYOU FOR TAKING TIME OUT TO REPLY. MY TOTAL DEBT OF UNSECURED CREDIT TO CREDIT CARDS IS £38.000. I KNOW A LOT OF EOLE WOULD SAY HOW CAN I PAY AN IVA ON BENEFIT BUT I AM A CARER WHICH I GET PAID FOR AND IS EXTREMELY STRESSFUL FULL TIME JOB, BUT UNFORTUNEATLEY ITS CLASSED A BENEFIT. I HAVE WORKED 30 YEARS FULL TIME BEFORE THIS TRAUMATIC CHANGE TO MY LIFE AND MANAGED MY DEBTS FINE. I LIVE IN RENTED ACCOMODATION AND HAVE NOW ASSESTS. I REALLY NEED HELP MELANIE THE STRESS OF MY PARTNERS ILL HEALTH AND ALL THIS IS MAKING ME ILL NEVER MIND HIM. DO YOU THINK YOU CAN HELP ME IN ANY WAY?. MANY THANKS SUE
Hey suei, why don't you give Melanie a call tomorrow, she will give you good advice. You can get her details from the expert page. Good luck and there will be a way forward.
I've done many IVAs for people whose income is from caring, and so far as I am aware there is no problem in at least putting this forward. Your creditors were not choosy when deciding to lend you the money, and should afford you the same courtesy when you are struggling to repay it.
hey suei
sorry youre having a hard time at the moment-i echo what viki said-give melanie a call tommorow-it will be the best call you make. and dont forget all your new friends here ok ? and post whenever youre worried or unhappy and we will make you feel better ok ? [:)]
Depending on your overall circumstances an IVA make be the appropriate solution - it will be a non-compliant protocol one - but that is not a problem. Either speak to Melanie or visit www.iva.com for recommendations on other practitioners. Don't worry there is always a solution.Let us know how you get on.
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.
Hi I just wanted to say that I too am a carer and I was advised that BR was my best option, I did try for an IVA but on benefits there really wasnt enough in the pot to propose one. I also worked full time before but had to cut to part time, I was told that an IVA was possible with that and the carers.
All I really wanted to say to you was, whatever your best option is, please dont let it make you ill. Youre the most important person in all of this. Everything else can be sorted out, there will be an answer for you somewhere. I was scared stiff of BR but when I went to see a money adviser and she explained it all to me, it didnt seem half as bad as I was expecting. I had visions of them taking everything out of my house and questioning me in court, neither of these things happen.
Good luck to you when speaking to Melanie, I hope that you can get some help from members of the forum to help you feel better about everything.
