hi i have 12months left on my iva however as i am a bus driver and a dieabetic i am having to start using insulin which meens i will lose my psv licence and then become unemployed which options do you think i will have to take to satisfie my creditors.
Speak to your IP as soon as possible - it may be that your creditors will accept your payments to date as a full and final offer to close the IVA down.
Only they can help you though.
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
Are you in an IVA or is it a scottish protected trust deed(going by your name)?
Given its a medical condition can your employers not look for other employment for you(not the same as driving a bus but just because you have to inject insulin doesnt mean you cant work!).
Have you a union rep at work?
Paul
Oh and your team is rubbish!!
Discharged today the 8th feb 2012. View is much brighter now.
Continuing to rebuild our credit worthiness.
hi paul thanks for your advice and yes your right i come from north of the border but i am living in england as far as the falkirbairns team they are rubbish.
Could your employer sort you out other employment though? I do agree with Paul that whilst you may not be able to continue in your current role, there maybe something else you can do.
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
Falkirkbairn - not to sure how long you have been diabetic - but some of the regulations around driving have changed (2011) - Diabetic UK gives full information as well as back up support on all aspects of this and employment support.
Last edited by ginger3232 on Sat Feb 18, 2012 4:45 pm, edited 1 time in total.
Would you get a medical redundancy payout at all? Really you will have to discuss this with your IP but creditors may accept what you have paid to date and close the IVA,equally if you get a payout you may be able to offer part of it to close things down.
My team is currently 3 down so I can hardly rip the pee out of the bairns!!!
Paul
Discharged today the 8th feb 2012. View is much brighter now.
Continuing to rebuild our credit worthiness.
hi, it's a small company and there is no other employment on offer as i have checked with my line manager the only option i have is to seek alternative employment but in this day and age i dont think i will have a lot of luck as i am getting near to retirement age.
I would certainly speak to your IP about getting your payments accepted in view of your health and your age - I'm sure they will be able to put that forward.
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
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
She is usually pretty good at picking up on things.
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
The Diabetic UK site sounds like a good place to start - your company may not know about changes to the rules. If you can't keep your job, then your IP will br able to help bring your iva to a close x
