took me 5 months to build up the courage to post

[Edwina]

I do not really believe that Rob was actually judging anybody, I think that he was merely shocked that a horse would be an acceptable possession to be kept in an IVA situation. in addition the costs involved with the same which can escalate if the animal is injured or sick plus all the other ancillary costs associated with keeping a large animal. It would seem prudent then, until finances have improve that luxuries are put on the back burner.

I think that is all he was intending to say.

[rob.m]

Edwina

You manage to sum it up better than I could even try - it seems anything I say is interpreted as anti-IVA and that is certainly not the case.

If that was my attitude, do people think i would bother coming on here to try and assist my step father ?

Rob

[rob.m]

ADMIN

You have "tucked-away" a potentially embarrassing headline which affects some people on IVAs.

What is wrong with discussing the rights and wrongs of what should or shouldn't be an allowable expense under an IVA ?

But NO - that would look bad for the forum if some people were seen to enjoy such luxuries.

It is extremely worrying that this website is "burying" this thread - what on earth has "took me 5 months to build up the courage to post" got to do with the initial topic raised?

If you were upset with terms in the headline then by all means change it - but keep it relevant please.

Rob

[Soulgrowth]

I have read the 'debate' with interest and support Rob's view to some extent. My build up of debt was accrued mainly through having to bring up four young children on my own for sixteen years, after having been left for another woman ... there were never any luxuries, it is amazing the 101 meals you can make out of a tin of corned beef! What became my 'debt' was a culmination of years of supporting income support payments which I am sure that many of you here have experience of not being enough to properly support a family. Being brought up in a family grounded in ethics of hard work and personal responsibility it was a huge feat to accept that I had to resort to state benefits for a period of my life. I knew that I had a moral responsibility to address my debt at some point and entered into and IVA last year ... but I still feel fundamentally morally obliged to pay my debts to those, who as I see it, helped me through a bad time, as much as I possibly can.

I now work seven days a week, fourteen hours a day ... I cannot remember the last time I had a holiday and my lifestyle is very minimalistic ... and, consequentially, I am now 'sad' and old and left on the shelf!!!

Thanks for raising the debate Rob ...

Debbie

[Soulgrowth]

P.S
Admin ... I've been thinking for a while now ... has anyone thought of a 'lonely hearts' offshoot to the forum!!! And, of so, can I please be a founder member

Debbie

[olympic_torch]

Thats all us lot told then.
All you scumbag debtors on here put yourselves up
there with the child molestors and terrorists.
As for me, i am so ashamed i'm straight on the phone in the morning to cancel our IVA.
I'm putting my wife and 2 daughters on the streets
to bring in enough cash to pay off my debts without any outside help, selling my BMW 4x4 and the Van Gogh
out of the attic.
Now then, where's me hair shirt?.........


Aucto Splendore Resurgo.
(2 down, 58 to go)

[Kiska]

mmm, i cant quite believe this...

seems someone has a bee in his bonnet, i for one am proud of the fact that i have done an IVA mainly because i have faced up to my debt and tried to sort it.

i will only be paying a few thousabd less than i originally owned. so shoot me now for being such a bad person.

i have a cat, and a basic sky package as it is cheaper for me to pay every month than to have a £400 ariel fitted to recieve normal t.v as we live in a bad area.

oh wow..................

[mish1953]

Awww Debbie
"I am now 'sad' and old and left on the shelf!!!"

How old is old ... and would you look good on my shelf ?

Along with the value brand, coffee, tea, beans .

Chuckles :- )

Mish

[mish1953]

SKY -
TV - package minimum
+
Phone free calls after 6pm
+
Broadband - lowest level
=
£15

Doh !

[scaredkez]

everyone i think this original post has been taken out of context, for everyone of us here that realise the different situations look at it from the point from those who don't understand, i am not saying this is right but this is what we come up against, those reading our posts will think we are looking for an easy way out, which we are not, people have posted about their circumstances and unfortunately it was to some an extravagance, it could have been put more politically correct by the original poster, we are not looking for sympathy we are looking to carry on our day to day lives but obviously it seemed that we wanted to continue with an extravagance within an iva, what people need to realise is that everyone of us have tried everything to right our situation but have come up against barriers so the best way forward to offer the best return was an iva, we have been open and honest and unfortunately took the wrong way we are trying to carry out the norm, for the sake of our families, to others it may seem we are trying to dodge our responsibilities but that is not the case as we all know it, the only thing that will happen here is we have to agree to disagree, we all have different lifestyles.

to some it may seem we are unwilling to give up the more expensive things in our lives, but these things are part of our family, but, those that are reading should realise we have given up a lot to try and rectify the situation and none of us should be expected to live in poverty,this is hard for us all and i for one know that, i am going to lose my home, my children are paying enough for my mistakes, this forum isn't about justifying ourselves to people its about being open, honest and helping others in the same situation, whats right for one doesn't mean its right for another,we have made mistakes and we are paying the price, we can share our experiences but the new posters need to realise we have been through enough that we don;t need to be questioned about what our creditors deem right or wrong to agree to what we can have within our iva's or BR.


i can assure any one posting no one has luxuries on an iva, its a long hard slog for 5 yrs and i hold my hat off to those that make it, good luck.
kerri

Please view my blog at: http://scaredkez.blogs.iva.co.uk/

[mish1953]

Rob - did you post it on another site ?
if so what was the response and which site so I can have a wee look.

cheers
Mish

[Soulgrowth]

Hi Mish ... 48 ... WLTM fellow understanding skint person ... GSOH ... have to have one after having come through an IVA ... not bad looking even though I have to use Asda's own brand beauty products! Bit bedraggled round the edges though as coming through an IVA and years of debt takes years off one ... see admin, told you you could be on to something with the 'IVA Lonely Hearts'section!

Debbie

[thebear29uk]

Hi all

Ooooh. Just read the whole of this thread and now only have 2 mins to reply before heading to the workhouse. Lol.

Rob.m you say you have come on here to help your step-father. Yet you haven't asked a single question regarding his circumstances to allow one of the experts to give some advice. Maybe you think you've cracked it now and don't need any advice. Maybe you don't trust the word of an IP who is willing to say a horse could be kept in an IVA.

You keep saying people are missing your point but maybe its you who is doing this. I post here and read other posts to find general information, ask specific questions and offer and receive support through what can be a very traumatic time. That is what the forum is for. We are all aware of our shortcomings and in the early stages will ask all sorts of things like "can I keep my caravan/static home?" or "is gym membership allowable" etc. This does not mean to say that by the time an IVA is proposed these things are still being requested. That is down to direct discussions with the IP and "INDIVIDUAL" (so that's what the I in IVA stands for)to judge what the impact would have on the return to creditors. Then its up to the creditors to vote yes or no.

Anyway, workhouse beckons so Rob.m why not post details of your step father's debts and income/expenditure. We'll see what support we can offer him.

Dave

[Adam Davies]

Quote from Rob
"ADMIN
You have "tucked-away" a potentially embarrassing headline which affects some people on IVAs."
As all regular posters will know admin often changes titles to reflect the actual contents of the thread and nothing is ever "tucked away"
Melanie and Admin give up their own time to help others on this forum and certainly deserve a little bit more respect.
Daves post above hits the nail on the head as Rob has not actually asked a single question on behalf of his father.
I,ll leave you to make up your own minds as to the reasons for Robs posts.
This forum is to discuss all areas of insolvency,however controversial but lets,please,keep it polite and professional when debating.
Regards

Andy Davie
IVA.co.uk Spokesperson

About me:
http://www.iva.co.uk/andy_davie_profile.asp

IVA Helpline: 0800 197 4838
http://www.iva.co.uk/iva_helpline.asp

[rob.m]

Andy

The new heading for the post has absolutely NO BEARING to the topic discussed. Please explain otherwise how you feel it has.

Andy/Dave

Regarding my step-fathers situation :-

1) I completed the "ask a question" form (before I started this thread) and it didn't make it to the site.

2) At the same time, I sent a brief general question to Melanie (via her website) and have just had a reply telling me to ask it on this forum.

3) A week ago, I contacted one of the IPs on this site and used the option for them to call us back to discuss things - they NEVER did - but then sent me an email stating they had tried and that I should ring them. I wasn't exactly brimming with confidence that they were the best to handle things so chose not to call them.

So, I have actually tried to ask for some guidance.

I will start a separate thread and ask there.

Thanks
Rob