It means a half mile walk, and three buses for me. I work shifts and the buses don't run at the time I would have to leave in a morning and it would take me an age to get home at night.
Not that I would use it anyway!
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
I can only speak for people in the London area - but would be stunned if anyone could argue that paying the Congestion Charge would be acceptable in an I + E proposal!!! I know that many people love their cars - I used to love a few luxuries in my life - but gladly gave these up to contribute the max to my IVA. Sorry but I must disagree with you - but - again for London only - public transport can be cheaper and faster. Whenever I pop up from the tube I see no end of slowly moving - rather stressed out looking - drivers. I must admit though - rather them than the maniac cyclists who seem to think that red lights do not apply to them!!!
It's 12 miles for me but it involves either going through a forest (which is very pretty) or along a main unlit road. The former doesn't have either lighting or public transport and the latter doesn't have the lighting and would be very lonely on a bus at night.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
Hi
I think if you work in London then public transport is a must. I travel into London once a week but wouldn't dream of driving.
Elsewhere I prefer to drive, for the reasons given by Jan and Skippy however Optimist does make a valid point in that if someone can travel cheaper by public transport than car i wonder if creditors could insist on that and free up extra funds for the IVA ?
Regards
I must admit Andy that I was never asked if public transport was an option. I stated that I needed the car to get to work and it was never questioned.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
I wasn't asked about public transport by my IVA firm or the OR. If my car had been taken as part of the BR Dave was going to get a runaround for me to use as he knows my feelings on public transport and agrees with me that it's not always safe, especially for a woman on her own.
I didn't even consider public transport -- it was my IP who pointed out, that, as a one car family with two working adults, one of us would be using the buses, which is true, but something you do "naturally" without considering it.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
I wouldn't catch a bus back at night even if pushed!
We have two cars (one a motability so costs us nothing other than fuel) as hubby needs to get around when I'm at work.
Public transport has never been an option for me.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
I think whether or not creditors question the use of public transport very much depends on the individual circumstances. If things are very tight and public transport is clearly a viable and cheaper option than keeping a car with its associated running costs, then perhaps using this and giving up the car would be suggested.
Even if things are tight, personal security should be given a priority. I have no idea how much it would cost for me to use the bus to get to work - I imagine it would be cheaper than running a car but it was never suggested to me and I would never give up the car.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
I have clients with cars of much higher value than yours and they have been allowed to retain them. An IVA is set to run over probably a five year period, and one of things I always check is that there is a reliable vehicle which is likely to last for the duration of the IVA. Therefore having a higher value car could strengthen the probability of the IVA running its course.
