As you may remember I completed my IVA in May with a full and final settlement.
Unfortunately I still don't have a job and I'm running out of money even though I'm being very careful and only having one meal a day etc., because I am going for interviews there are a few expenses I'm having to pay for as well as bills etc.,
I called Halifax to ask about taking a payment holiday for a month last month but they said as it had IVA on the file they couldn[t allow me to but I was eligible otherwise, when I said that I had completed the IVA they said as soon as I received the CC to send it in and they'll take it off the file and I'll be able to get the payment holiday but obviously we're still in early days post my paying the F&F.
Does anyone know if there's any chance if I explain the situation whether they can help? I don't want to miss a payment because then there'll be a default and I don't know whether to cancel house insurance and talk to council tax instead? I'm trying all kinds of ways and interviews to get a job so am determined only this moth will be the issue but who knows.
I'm so sad that its got to this when I was feeling so optimistic and so sorry for coming back and asking about this and I'm guessing that it's a bit cheeky to anyway to ask but I don't have anyone to turn to.
Thank you for any advice
Ask at the job centre and CAB regarding refunds of interview expenses, any benefits you should be looking at applying for and referral to your local food bank (not ideal, but it will jhelp you get through).
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