Hi luluj I see why they have done it this way and actually it evens out. The ip has said that any concerns or if things change the to contact them immediately. I am just glad to get a conclusion to it as it was getting too stressful. Will have fingers crossed for five years all remains ok. But thank...

Thanks foggy. I must admit I am feeling better. The insolvency agency who acted for most of my creditors were the ones who really were being hardball. I just could not get them to understand I was risking fraud if they took the pip money. And to be honest to state such a high amount was pretty unfair.

Must say also Christine Clarke and Tara O Murphy have been amazing and a credit to gt

Well after a stressful day and lots of calls and emails. Result is increase in payment as they have included pip in my income so care needs met out of my wages have now been stopped and pip to pay for them. At least I can not be done for a false claim and the creditors get a lot more back. Thank you...

No assets. I went this route as wanted to try and return some of the money. When they did a comparison in bancrupcy the creditors would get nothing. I understand that the creditors want you to claim benefits you are entitled to. But pip is for specific needs which I will not be getting. I only found...

Was with cap first and then passed to gt. Will see if there is any news tommorow. Thank you for all the advice and support it has helped.

The thought of going all through the process again is making me feel ill. I started this in January I really don't think I could do another 9months of this

Hi foggy It was GT who sent the email and said if I were to reject the modification the iva would fail. They originally said that I should send in details of my expenditure of care. I tried to explain it varies on a day to day, they then said handwritten letter from those who give care would do then...

And another debt added too. If I end the iva I have to pay gt for all the work they have done. Really feel that would have been better going bankcrupt. I am stuck in a rock place either way. I was so positive yesterday till I actually realised what was being asked. The people at gt have been very sy...

Hi Michael No idea what creditor asked but told if I don't accept iva will fail. Thought it would be plain sailing but no. I am disgusted that while my needs are irregular they know it is an assessment process and got anyone in a similar position or worse they are basically being forced to commit fr...

Hi kazza Have been told that the creditors want 75% of any benefits I am entitled to. I have bipolar and another disorder but thankfully am able to work. So they based what I could pay on my wages. I have rang gt and been sent an email saying that I have 16 weeks to claim all benefits and then give ...

Have spoken with her today she is looking into if the care money should or not be included. It's a bit like a roller coaster at the moment. Happy iva was accepted. But worried that if I am using money to pay for debts then technically I am not then able to pay for care in that if I am not having it ...

Hi thanks for all your kind words. Yes iva accepted with modifications. 75% of pip which has floored me. Only found out today how much I would be getting. Plus the money already agreed I would pay the creditors. Am hoping that the pip is offset against what care I need but as it varies week to week ...

This time tomorrow will be either in an iva or wondering what my next step will be. Meeting at 14.30. Already nervous about outcome.

D day 20th august. Am already nervous. Can only hope the offer is approved without any adjustments as it is already going to be tough going and my registration fees for being a nurse not included so 18 to be found from somewhere will have to use less from somewhere else. Did email straight away but ...