told that I should take my daughter out of college

[JuliaE]

Please can you help. I have been paying 320 per month on an iva for two years. My wages have gone up a lot. My daughter started college in london inSep 2006 and the fees etc have eaten up my pay rise. Today have have been told that I should not have sent daughter to college and that the money will not been taken in to account this year. From April I have to pay 1000 for the next three years. And I was basically told that I should take my daughter out of college. I am in turmoil. I will be paying back all of my debt to my creditors which is fine but entering into the IVA means that I am paying fees also is there a way out for me of the IVA and not having to take daughter out of college? please get back to me asap thanks

[MelanieGiles]

Hi timewell and welcome to the forum

Your IP is being quite harsh, as personally I would be very supportive of further education costs, but you would need to demonstrate that your financial support was being kept to the minimum.

Firstly are you entitled to any grant aid or benefits as a result of your daughter's education, and secondly is she assisting with the costs by getting a part-time job? is there a similar course which she could attend in your home-town, to avoid the cost of lodgings and travel?

When you say you will be paying all of your debt back to creditors, do you mean that you offered 100p in the £? And could you tell us which IP firm you are with please.

[Rainbow]

Hi timewell, how old is your daughter as if she is doing either her first level 2 or level 3 course and is under 25 there should be no fees for her to pay as Government pay all Further Education costs?

[kah]

I've gone on and on about this on the forum. The governmental requirement is that if you earn over a certain sum -you support children at university/college . If you are supporting them in any way they are not eligible for a full maintenance loan - and an IVA will not let you top up the loan. The government says you must top up the loan (see the official student loan website) - as the evidence shows that students without this level of assistance do not complete their courses. This level of borrowing (full loan £5k - what's available to kids whose parents are required to contribute to their fees £3k) still requires the student to work part time or more and/or parents to dig into their pockets. Average student rent = £70 per week ; + bills; + food .....
I feel that it is morally wrong that a parents debt problems should ruin their childrens' educational chances. I pay taxes.

[JuliaE]

My daughter is at arsenal ladies academy, a prestigiuos football college and have to pay fees foe boarding which are 4000 a year. Also she has to come home each weekend and that is obviously petrol. plus we need to pay for her food each week. My IVA was for 26p in pound but now they are asking for 100p because they wont take into account fees etc for daughter. The firm is called McCambridge duffy. Also My partner who has nothing to do with the IVA bought a car on HP for daughter to travel to london and back. I cant put this either in the I and E (have been told) even though this is an expenditure of my partner. Could you tell me why please. Timewell

[jane.l]

I feel really strongly about this matter. I am bankrupt, daughter is at uni, we are supporting her, she got a grant but it only covers her train fare and books, we are paying for her food and all bills, etc. We are not expected to support her, she cannot get a job on top of her studying she has a medical condition and it all she can manage at the moment to stay in her course and concentrate on that. I feel it is unfair to expect her education to suffer because of my debt and circumstance

If it came down to a choice between paying for my daughter and resulting in the creditors getting nothing, my daughter would definitely come fist

[JuliaE]

Just to thank Sally for sorting out my login problem. This is a fantasic site for people like me who are at their wits end. I thought that I would be sorted with an IVA but now i am in the same position but with fees to pay too. Also I have now received a letter from Tax credits to say that i owe them 4000 from 2003! I dont want to go bankcrupt but I cant pay this much more. Also my house shared with partner is not in IVA so could I sign it over to partner if I have to go Bankcrupt. I caused debt and want to pay it off but 1000 a month I just cant pay. What can I do.

[JuliaE]

Hi Rainbow, my daughter is 17. Her college is paid for but it is the fees for Arsenal Academy I have to pay for.

[ray_a]

I think your Ip is being very hard!

Is he a Spurs supporter?!
No I think it may mean having to arrange a variation meeting with your creditors so as to make the IVA payment manageable!

[JuliaE]

They are adamant that I must pay this money. It is a direct debit. Should I cancel direct debit as if they take it out I wont be able to pay mortgage.

[JuliaE]

please could someone also tell me why I have an IP in Londonderry when I am from pontypridd near cardiff and they have offices in cardiff. thanks

[vickir]

Ask your IP if you could transfer to their Cardiff office as you would like a one to one meeting, this is a really sad story, our kids education is paramount to their future, jobs are so difficult to get without qualifications nowdays, i would ask your IP to organise a variation meeting

[MelanieGiles]

I think that you will find that your IP has closed their offices in Cardiff. I know this firm pretty well, so if I can help in any way to mediate please e-mail me directly and I will see if I can speak to the IP for you. Which IP is currently acting for you?

[kenty]

Having been in an IVA for two years theres some things my IP didnt mention and I sympathise with 'timewell', whilst not being affected by education my iva came about due to a non proven debt 11 years ago caused by a previous marriage breakdown pushing my debts off the cliff, My new wife is apalled that every pay rise she gets is taken into account yet they wont allow for the cost she has for the upkeep of her horse who shes had for years. simply put 'let it starve and die is the approach'me thinks, Sometimes IP's and supervisors forget there are two sides to an IVA and were humans not inhuman

[MelanieGiles]

I really don't think that your wife's pay rises ought to be taken into account if she is not subject to the IVA.