Will I have to go BR??

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tinytori

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Post by tinytori » Tue Aug 19, 2008 5:22 pm
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My head is all over the place, I have just found and Im pregnant!!! Will I have to go BR, I dont know how will we cope wit money etc!!!

Please can I have some advice from people who have gotten pregnant on a IVA??

Im so worried
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moretolife

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Post by moretolife » Tue Aug 19, 2008 5:24 pm
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please post a bit more info re your situation so someone can give some advice...
stay calm

and cograts re news....
IVA completed 11th Dec 2009 due to a Full and Final with the fantastic help of Michael Peoples and
Mc Cambridge Duffy

Visit my blog...Journey from Debt to Life Post IVA
http://moretolife.blogs.iva.co.uk
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kallis3

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Post by kallis3 » Tue Aug 19, 2008 5:30 pm
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Congrats tinytori - great news!

I think you need to speak to your IP and get their advice. You will have to tell them 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
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tinytori

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Post by tinytori » Tue Aug 19, 2008 5:31 pm
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been in IVA for 1yr, I pay £240 a month towards my IVA, and 70% tax credits go towards IVA. I really think one of us will have to stop work as there is no way I can expect my mum to look after 3 kids, and there is no way at all I can pay childcare
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MelanieGiles

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Post by MelanieGiles » Tue Aug 19, 2008 5:43 pm
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That's great news - which you should be celebrating not worrying about!

I have lots of clients who have children whilst in IVAs, who manage very well with their finances. There may be a difficult couple of months, but by the time you work out your benefits, and determine whether you will be entitled to any more tax credits you might be pleasantly suprised.

Could one of you work during the day and the other evenings for a while to help out? And you could always approach your IP to see if they could reduce the payments at all.
Regards, Melanie Giles, Insolvency Practitioner
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Skippy

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Post by Skippy » Tue Aug 19, 2008 6:35 pm
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Congratulations!
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tinytori

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Post by tinytori » Tue Aug 19, 2008 8:00 pm
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i know i will be able to take holiday payments whilst im on maternity leave, but how do i get buggy and clothes etc, i have no spare money at the end of the month.

Its so awful that I cant be happy about my own baby cos Im so b***** scared of being made BR!!!!
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MelanieGiles

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Post by MelanieGiles » Tue Aug 19, 2008 8:08 pm
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Ebay is a great source of finding cheap good quality children's clothing and equipment - but did you not keep any of this from your other children as you say you already have three?

And could you let us know what is actually frightening you about bankruptcy? Your new child is far more important than paying off a few creditors.
Regards, Melanie Giles, Insolvency Practitioner
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Viki.W

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Post by Viki.W » Tue Aug 19, 2008 8:12 pm
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Ah Tinytori, congratulations, that's wonderful news, you'll find a way, I'm sure. X
If you would like to talk to me about your debt problems, please visit:
http://www.vincentbond.com/about_us_Viki_Warbrooke.asp
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Adam Davies

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Post by Adam Davies » Tue Aug 19, 2008 8:49 pm
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Hi
Many congratulations
Regards
Andam Davies
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tinytori

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Post by tinytori » Tue Aug 19, 2008 9:09 pm
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i have 2 other children and no i gave everything away thinking i would have no more. If i go BR i lose my job
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MelanieGiles

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Post by MelanieGiles » Tue Aug 19, 2008 9:13 pm
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What line of work are you in tinytori?
Regards, Melanie Giles, Insolvency Practitioner
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tinytori

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Post by tinytori » Tue Aug 19, 2008 9:26 pm
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im a supervisor in a charity, its written into my contract if i go BR my contract will be terminated
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Soulgrowth

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Post by Soulgrowth » Tue Aug 19, 2008 10:38 pm
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Just wnated to say congratulations ... I know that your news is presenting a worry for you at the moment ... but there WILL be a solution for you.

Debbie
Debbie
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MelanieGiles

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Post by MelanieGiles » Tue Aug 19, 2008 11:26 pm
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How "charitable" of your employer to use such a punishing term in their contract of employment. I think you need to have a chat with your IP to take advice specifically, as he/she will have detailed knowledge of your case and may be able to suggest some form of affordable compromise for you.
Regards, Melanie Giles, Insolvency Practitioner
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