I have a year review, in that time I obtained some work,but due to my overwhelming desire to pay back personal debts, i.e friends and family I had the earnings go into a friends account. My elder brother has been paying a few of my monthly outgoings but I do not want his name or account details involved. Neither do I want him contacted. I'm so troubled by this, I have been to the doctor and I'm being treated for depression this is all getting too much. I am currently living on a friends sofa and not even contributing, I feel so bad about this I spend half the week sleeping in my untaxed non mot car. HELP PLEASE
OK -- so, this undeclared job and second income is going towards 'private' debts --- you know that this is fraudulent and against the terms of your IVA, so I need not tell you more about that. But, that is a 'self contained issue'. If the IP never discovers the second job / income or private debts it will come to nothing --- but, obviously the stress of it all is doing you no good ! You know the answer to that !
As for now sofa surfing and being unable to tax and mot your car --- why is this happening ? Expenses such as rent, car tax, running costs and all the basic living expenses will have been allowed in your I&E review, leaving you with enough to cover these and the surplus only going to the IVA. What has changed to make everything unaffordable ?
It sounds to me that you have nothing to lose by pursuing a DRO, if you fit the profile (debt less than £20k, no assets and disposable income less than £50 a month) , or even going bankrupt and getting this whole saga put in the past.
Take one issue at a time.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
Thank you for the reply and advise. I know this was wrong of me, desperate to keep promises made. This was not a second income, this was the only work I had. Only just finding work now.
Having trouble processing it all, long illness for which I'm still waiting an operation left me unable to fulfill the job I had.
I was only working 3-4 days a week due to ill health mentioned. I was a self employed courier. But then I was taken into hospital and had an 8 week stay in there and 16 weeks of being unable to work as illness got worse. Lost 4 stone in 5 weeks and became to weak to do anything. When I recovered enough to try and work I couldn't find anything to suit. Then dreaded covid struck and work became more scarce. Unfortunately the hole I dug got deeper. I'm in my 50s and have never done anything against the law ever. I feel so disgusted with myself and so low. Half of me wants to admit it.
Do your review on current earnings --- sit down and work it out. Has the total you have been earning from everywhere exceeded the income you declared when you started the IVA ? If not, there is nothing to worry about. It could be that on current earnings that the IVA is not able to continue anyway --- and it definitely won't if you have a breakdown. So do look at the alternatives.
Maybe have a chat with your local CAB and work out the figures.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
