I feel so vulnerable at the moment...

[ray_a]

Hi Dot

Sorry to read your news and I would only add that I would strongly suggest a variation order be made to your creditors. Don't forget this is your IVA and I do agree with the advice that you should meet your supervisor.

Melanie is right about the original supervisor being lax and I am sure you have the paperwork when the proposal was set up and perhaps you could trace him and see if he made any notes of the original meeting.

As for the credit card I think there would be a problem with this even if you were to enter into bankruptcy so I would have thought it would be in everyone's best interests to try and find a way to sort this out.

Good Luck

Ray

[dots]

Thanks Ray,

The original supervisor was laid off with all his staff when the branch was closed down, so no recourse with him... I will dig out what paperwork I can, but the main issue right now is the bills... As mentioned, I will consider a variation, but the newer supervisor has to be tackled different than old... They know fully of my circumstances as I update each month to them. I just am on verge of needing to do something about all this, but need not ready quite yet.. As mentioned, I was maybe having just a bit of a panic attack and so came here to see what options were.

I am NOT opting for BR, and that was clear from onset of VA... I was firstly advised BR by both DMP and IP... but it was the main reason to take VA because of my job... but now needed to find out on here what the implications were in case it all goes belly-up... I cannot go BR or I will lose my job, my position is such, that I will.

As far as the card is concerned, I have written above, my plans to recover "zero" and BR will not be in the equation unless absolute failure happens, then if it does... I lose absolutely everything completely anyway... (uncle tom cobley and all)

Again, I must say that I am not looking to go BR, I was just in panic mode as I am sure we all get at times, and the car bills were adding a heck of a lot of pressure to things... As the IP is aware of the bills and values and has already acknowledged them, I will be writing to them this week to show what is outstanding on them and give her a chance to offer me what she feels is best...

If this issue is self-outable, I will handle it, but if IP does not offer anything that I am advised from this site, then I will request my choices firmly...

Thanks for your note, it does count to me as all others, and so I do take your comments seriously and will act on them as per'.

Gordon

Try to develop the present to change the future that will enhance new memories of the past... www.thedotdots.com
Outreaching World Concerns

[dots]

It seems that no matter how many negative ways you look at this situation, whether it is my own or anyone elses, there seems to be at least on counter balanced positive to see a solution, if only just take a step back and breathe and look at the end result that the matter is being made one step closer to the end each month. Once completed and even if it does end in the IVA or BR and OR, the life expectancy of the modern human is so much longer than this blip of confused distraction. I am writing to my IP again this week to give an update handle on my progress... I know I write each month so they cannot say I have been uncooperative, but BR is not an option for me, so worth making sure IVA works.

I have always since day one, written to IP monthy as accompanying my monthly payslips and just to let them know I am human and expenses can change almost daily regardless of the budget set. Incidentals will happen as I am experiencing right now and it is all about communication in my belief.

G.


Try to develop the present to change the future that will enhance new memories of the past... www.thedotdots.com
Outreaching World Concerns