I am in desperate need of wetroom as i am disabled and now cant get in the bath I have been in contact with occupational therapy who cannot help financially as my husband works .my husband has a small pension we coukd cash in worth £6000 this would mean i could have it done as till now i have to have washroom which is very distressing. Do u think if i ask my IP they may look upon it favourably and let me keep the money for this. I have 18 months to go and after that we want to sell as it is a house and i need to be on one level
With 18 months to go I would put up with the inconvenience as there is a very big possibility your IP would take every penny of a pension draw down unless it was specifically excluded in the original chairman's report. I take it your husband is also in an IVA? if he isn't then your IP has no hold over what your husband does with his finances.
Last Payment made 04/12/14. Completion Certificate 25/7/15. IVA company GT. No Issues
Have either you or your husband ever been in the forces? If so, you could approach SSAFFA for assistance.
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
Is the iva for both of you or just yourself? If just you then your husband is free to cash his pension in.
If joint I would be inclined to write to your IP explaining your health condition and deteriation and the need for the wet room etc - explain you have explore all finance options / grants etc but are unable to take advantage of any of them. I would then seek their approval to undertake the work.
Hopefully they will be sympathetic to your needs.
Sharing from experiences of dealing with debt
There is a solution for everyone .... Just need to stay positive !
Two points I would make: Firstly, if you are in the IVA alone it is your husband's monry to do with as he wished. If you are both in IVA's the money would be at risk of being taken by creditors. Secondly, whu pay £6.6k to get a wet room for a property you will soon be selling? It will probably not increase the valus to cover it's cost ( and might even reduce the value ). Would it nor be better to hang in there until the IVA is done and dusted, then sell up and either buy a property with a wet room already there or get that property adapted with the money.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
