Where to now??

[Chappie]

Hi All. Feeling very low at the moment. Been made redundant this week. Only been there less than 3 years so will come out with very little money. Had the worst year of my life and just wondering what else will happen. Since Feb last year I have lost my dog, my dad, my house. Now my Job. Where will it all end. My question is. What will happen with my Iva? I'm over 9 years in and its been an uphill battle to get this far. Any advise will be appreciated. Thanks.

[kallis3]

Hi Chappie,

So sorry to hear of your problems and I hope you manage to find another job soon. It's hard when all of these things come at once.

How come your IVA is still running after 9 years? Is it an IVA or a DMP?

[kallis3]

Having read your previous posts I see that is an IVA. You need to speak to the IP and see if you can bring this to a swift conclusion.

The only other thing would be to let if fail and go bankrupt - at least that is final and it would be over in 12 months with a possible 3 years of payments depending upon your disposable income.

[Chappie]

Thanks kallis3 I might have to do that seems such a wast. I was supposed to be increasing my payments next month. That's not going to happy at the moment. I will speak to my ip after the bank holiday. Cant believe everything is being thrown at me. That's life I guess.

[kallis3]

Keep badgering them and tell them of ALL of your recent problems. You've had a lot of bad stuff going on - keep thinking that things WILL get better, may just take a bit of time!

It does seem a waste I admit but it sounds as though your company haven't been particularly helpful at times.

[lifenoteasy]

Chappie - do what is right for you and what is needed to get you to a position that this has all ended in terms of finances.

I have no doubt you will get a new job quickly - you have too much pride to not to.

[Chappie]

Thanks. I really do appreciate your help. Just fed up of everything as much as I try. I keep getting knocked back. I am trying to think positive and not worry but you get to the point where u dont have any fight left. x

[kallis3]

Don't give up!!!! I know how hard it is having through a lot myself in the past three years (both parents and a dog!) and a daughter who is not doing anyone any favours at the moment but we have to soldier on!

[luluj]

What about asking for payments to date to be accepted so the iva can conclude ?
Hopefully you will find employment again soon but in the mean time don't give up hope x

[Shining]

Payments to date seems a fair solution, none of this is your fault and out of your control. Nobody can say you didn't try. I sincerely hope things get more positive for you in the future.

[Lisa Thomas]

Hi - sorry to hear how tough things have been for you. I suggest two options:

1) ask your IP to call a variaiton meeting to accept payments to date in F&F.

or/if not

2) ask for a payment break (up to 6 months) so you can find new job and get back on your feet a bit.

[lifenoteasy]

Lisa - this individual has been in an IVA for 9 years already.

Any payment further payment break will put them into double figures for an IVA.

[Lisa Thomas]

Hence option 1.

[Chappie]

Thanks for all your support and advise. I am in contact with dfd. Just hope all this can be sorted and something will come up in the job front.

[kallis3]

Let us know how you get on Chappie - good luck!!