Its all gone bad...

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kallis3

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Post by kallis3 » Fri Dec 03, 2010 9:15 am
It's nice to see you so positive Carole. I just can't imagine what you must be going through.

I hope everything goes ok with the birth and what a lovely name has been chosen.

Thinking of you all. Let us know when the little one arrives.
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.
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size5

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Post by size5 » Fri Dec 03, 2010 9:57 am
I am not in the office today, but I have spoken to Charlotte who has received some documents from you and will be actioning them as soon as possible. In the meantime, I do have access to my e mails so if you wish to contact me offline if there is anything I can do then please do so, I will be happy to help.

Regards.
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ashb

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Post by ashb » Fri Dec 03, 2010 10:50 am
This is where the true spirit of this Forum really does show the good in people.
 
 

kallis3

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Post by kallis3 » Fri Dec 03, 2010 12:46 pm
Exactly, the forum will always be there for support - doesn't all have to be about debt.
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
 
 

Brendan.01

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Post by Brendan.01 » Wed Dec 08, 2010 10:53 am
If I go bankrupt what are the chances of me ever getting a mortgage again.
How long before I can apply for a car loan if i go bankrupt. Just i'm a taxi driver sick to the back teeth of hiring car of the taxi company i'm working for.
 
 

kallis3

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Post by kallis3 » Wed Dec 08, 2010 6:53 pm
Bankruptcy will remain on your record for six years from the order, you will probably be discharged within 12 months and may have an income payment agreement for 3 years dependent upon your disposable income.

You will be able to get a mortgage eventually and will be able to get a car loan, it might just take a little time.
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
 
 

MelanieGiles

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Post by MelanieGiles » Wed Dec 08, 2010 8:49 pm
Lots for former bankrupts have and are continuing to get accepted for mortgages, but it does take time for the credit rating to improve and clear, and therefore the trust of future lenders to return. A heft deposit is likely to be needed in the early days if you are accepted for a loan.
Regards, Melanie Giles, Insolvency Practitioner
 
 

cazlizzy

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Post by cazlizzy » Thu Dec 09, 2010 3:40 am
Nicky went to see the consultant last week , and he too was concerned that baby seemed not to have grown in 2 weeks. She had also moved and there was some concern that a C section may be needed. Not what we wanted to hear. She had to wait till Monday to get her scan so a very stressful and emotional weekend for us all. Well, at least that turned out fine, baby had moved over the week-end and was back to head down and engaged, and they were able to measure her accurately and she’s spot on target. A huge relief, now we just have to get Nicky safely to delivery, as they were concerned about her pelvis as there is a slight chance that with the additional weight gained in these last few months, her pelvis could fracture.

I can’t say things are better; perhaps more controlled now, would be a better way of putting it. I know Nicky still cries herself to sleep and the disbelief is still there for all of us. We see a picture of Mazen and it’s so hard to take in that he isn’t just away working, or playing football or something. It’s also too easy to forget that the 2 older girls are grieving too. Jess broke down in class yesterday and was taken to the mentor/councillors’ room. He talked with her and poor love had been bottling it all up so she wouldn’t upset her mum. At least it brought it out and they have decided to take my suggestion to create a memory box together. Hopefully it will give them time together to share the tears and fears and the joys of their memories and feel safe in doing that. It breaks my heart to see them like this though.

In the midst of all this I got a call from Cleardebt about my proposal. They turned down my request for a F&F based on payments to date, not surprisingly, but didn’t mention the other one. I have to say it was not a good call for all sorts of reasons. I was upset at the time and didn’t respond very well to it. In fact I don’t think I responded much at all, I listened and just kept feeling that they just didn’t understand the situation. Their response, while I’m sure they felt it was fair, just left me feeling that instead of helping relive the situation it was in fact complicating it. I came off the phone with notes I wrote to allow me to consider it all over the weekend, a phone number I had to call to claim off their insurance (then I am sure more forms to fill in) and a feeling that they were more concerned about securing their fees and creditor dividends. That may be very unfair, but I began to think it would be easier to just let the IVA fail and go BR.
I sat and cried when the call ended.

I have now looked at the notes I made, and with a clearer head I can see some miscalculations in what I’m allowed to keep and therefore what I have to pay across into the iva from my redundancy. As for the insurance policy, I don’t need the complication of applying for that at this point, so I am going to e-mail Mike with what they proposed and what I feel it should be. Hopefully he will make sure I am on the right track with it so I don’t have to have yet another stressful conversation.
Never take a moment or a loved one for granted in the blink of an eye they may be lost forever.

You are welcome to view my ramblings here.
http://cazlizzy.blogs.iva.co.uk
Carole
x
 
 

Shining

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Post by Shining » Thu Dec 09, 2010 5:08 pm
All the best to Nicky with the remainder of her pregnancy and here's hoping for a safe delivery. The memory box is a lovley idea and very personal to you all, hope this helps you all in a positive way.

I'm sorry your payments to date offer was rejected and hope Mike can help you find a way forward in respect of your financial situation.

I can feel your pain in your post and really do feel for you, I hope things get that little bit easier for you very soon. Thinking of you xx
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
 
 

cazlizzy

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Post by cazlizzy » Thu Dec 09, 2010 7:51 pm
Thank you Lesley, only 4 weeks to go if she goes full term. She's hobbling around like a duck at the moment. We looked a sight today, her with her duck wobble and me hobbling on my dodgy knees. They were swollen up like balloons today I slipped on the ice and they clicked out again..guess I can't put surgery off for much longer, but I am a coward at heart.

I have just sent an e-mail to Mike so hopefully I can get it all sorted soon. I am really only asking them to give me a little leeway in looking for work and to use any discretion they have to allow the extra expenses over the last few weeks to be allowed and not paid over to the iva pot. Its about £500 and when you think how little that is once divided up between the fees and creditors dividends, compared to what it has meant to Nicky and the girls, it seems trivial.
In truth I'm just tired of it all now, dread the calls because I don't deal with them very well at the moment,and it can't be easy for Charlotte either,I'm either non-responsive or a weeping mess.
Never take a moment or a loved one for granted in the blink of an eye they may be lost forever.

You are welcome to view my ramblings here.
http://cazlizzy.blogs.iva.co.uk
Carole
x
 
 

Shining

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Post by Shining » Thu Dec 09, 2010 8:33 pm
It certainly can't be easy Carole and I totally empathise with you.

I hope the next 4 weeks go smoothly for your daughter and that your knees ease up for you. Remember we're all here for you any time and off forum too if you want, just add us as a frugal friend x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
 
 

MelanieGiles

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Post by MelanieGiles » Thu Dec 09, 2010 11:35 pm
Mike is sure to see this post and respond to you as soon as he can. At the end of the day I am sure there is a compromise to be reached, and for sure that little person will have the best guardian angel looking down on him, and will never be too far away - no matter how far that feels for your Nicky right now. Keep strong for all of them - and remember that the IVA is low priority right now.
Regards, Melanie Giles, Insolvency Practitioner
 
 

size5

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Post by size5 » Fri Dec 10, 2010 12:50 pm
Cazlizzy,

Just to let you know, in case you log on here before you check your e mails, that I have e mailed you offline directly. We will do all that we can to find a solution to this for you and all concerned.

Regards.
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cazlizzy

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Post by cazlizzy » Fri Dec 10, 2010 4:04 pm
Thank you so much Mike, I had checked my mail and really appreciate your assistance. I just feel bad now that I seem to be causing so much trouble for everyone there.

Again Melanie, thank you for you words of encouragement.
It's a bit like living in a bubble and the need to look for work and the IVA are indeed very much a low priority at the moment. I realise things will move on and get easier over time, and we will pick up our responsibilities again, but for the immediate future we are doing whatever we can to get through this and for me, that is taking care of the girls. It is and will always be my first priority.
Never take a moment or a loved one for granted in the blink of an eye they may be lost forever.

You are welcome to view my ramblings here.
http://cazlizzy.blogs.iva.co.uk
Carole
x
 
 

Skippy

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Post by Skippy » Fri Dec 10, 2010 4:25 pm
Cazzlizzy, don't feel bad. The IVA is at the bottom of your list of priorities now but you are doing the right thing by keeping Cleardebt in the loop, and I'm sure they will help you as much as you can.

Lots of love to you and Nicky xxx
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