I'm sorry to hear that Meash, its very frustrating isn't it? I am worried about it but trying not to show it too much. As long as my wife is ok and we're both healthy then thats all that matters to me. She has been very good about all my problems, I couldn't ask for more.
I took it upon myself to call Northern Rock personally today and actually spoke to the lady who dealt with my case. She said that they use their own system to decide cases, and the main points of my case were, the term of my debt and my CII score. My loan with them used to be an unsecured loan linked to a mortgage but when I moved my mortgage away from them it just became a normal unsecured loan, albeit with a 25 year term (20 left) and now 12.9% apr or something like that. My CII score was 28, which means nothing to me to be honest, but she says its based on current financial commitments. In other words, I'm not overstretched. Which is rubbish really as my outgoings now outnumber my incomings. I pointed out that my proposal obviously included my income and expenditure and clearly showed I was in trouble. But she also stated that my IP didn't come back with any changes or offered anything else, which they dispute as they say they offered 72 month terms, so who knows. Basically now, I have asked Blair endersby to re-propose my IVA and add another £100 to the payments (now £324) which was an allowance set aside for my wife. They allowed me this due to the fact that she wasn't with me during the time my debt was accrued. She has been good enough to do that, although I still feel bad for her as her wages have been taken into account and she only works part-time. Hopefully they will realise that I am doing all I can to pay them back and accept the latest proposal. If that fails then it doesn't look good, but at least I can say I've tried everything to get the IVA approved.
Hope it works out for you too Meash, whatever happens as long as your family are ok, you'll come out of it a stronger person.
