Posted: Sun May 10, 2009 11:07 pm
Hello,
I know there have been questions on this before but I was wondering if you could advise me on my details for a F&F settlement.
We have been in our IVA since June 2006 and have always paid £355 per month with 35p/£. Our total unsecured debt is £40104 with total amount to creditors £23430.
I have just returned to work after having my son, and my partners work has become a lot tougher as he is a double glazing fitter and the money is just not there at the moment and we are really finding life an almighty struggle and we are starting for the first time wonder where money is coming from to pay the IVA, Mortgage, Child Care and its now begining to worry us.
My mum has some money coming to her shortly and has offered us some money to hopefully pay it off, this would also help her to carry on having a monthly income but it would be a little easier for us as we can drop the payment a little and would be a big strain off us if we can pay it off.
It is working out that we have paid so far £10,295.
Our IP has been fab and helped us emensly over the durantion and we could not be happier with them (Accuma) but if we can we would love to cut our ties.
I suppose what i am trying to ask is when i speak to my IP what figure should i say i know my mum is looking to lend us between £5-7000. Would this be acceptable?
Your thoughts on this would be greatly appreciated, please dont think bad of me at the end of the day its only us that can be blamed for the troubles we have got into and i certainly dont want to come across as woe is me as i know there are alot of people on here with the same problems.
Many thanks
Claire
I know there have been questions on this before but I was wondering if you could advise me on my details for a F&F settlement.
We have been in our IVA since June 2006 and have always paid £355 per month with 35p/£. Our total unsecured debt is £40104 with total amount to creditors £23430.
I have just returned to work after having my son, and my partners work has become a lot tougher as he is a double glazing fitter and the money is just not there at the moment and we are really finding life an almighty struggle and we are starting for the first time wonder where money is coming from to pay the IVA, Mortgage, Child Care and its now begining to worry us.
My mum has some money coming to her shortly and has offered us some money to hopefully pay it off, this would also help her to carry on having a monthly income but it would be a little easier for us as we can drop the payment a little and would be a big strain off us if we can pay it off.
It is working out that we have paid so far £10,295.
Our IP has been fab and helped us emensly over the durantion and we could not be happier with them (Accuma) but if we can we would love to cut our ties.
I suppose what i am trying to ask is when i speak to my IP what figure should i say i know my mum is looking to lend us between £5-7000. Would this be acceptable?
Your thoughts on this would be greatly appreciated, please dont think bad of me at the end of the day its only us that can be blamed for the troubles we have got into and i certainly dont want to come across as woe is me as i know there are alot of people on here with the same problems.
Many thanks
Claire