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sonj77

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Post by sonj77 » Fri Jun 04, 2010 10:26 pm
Review time again, 4th one now and cant believe that will hopefully only have one more. Feeling a bit anxious this time as wages have gone up a bit but so has childcare and cost of living so we are hoping that there wont be a big hike, if any, in our payments. I contact our review team when wage went up and was advised to just wait for the review to come as dont tend to change things a few months before. Seemed strange advice and just wondered if anyone else has been told this. Now Im thinking what if this wasnt right and they tell us that we owe them money for two months that we have had extra wages, although the childcare has gone up already, goes up again in september! Worry worry worry! If things go to plan, which i hope they do what will I do when there is nothing to worry about! Im sure I will find something. It will be nice to have to look for that something though!

Son x
 
 

Julie

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Post by Julie » Fri Jun 04, 2010 10:31 pm
Hi Son,

I don't think you're aone in worrying..I worry if I don't have anything to worry about [:)]

Did you tell your IP when your wages increased and did they increase a lot?

As your childcare has also increased has the one cancelled the other out? As long as you can prove the increase has been swallowed up by other expenses, I think you'll sail through the review.

Xx
 
 

sonj77

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Post by sonj77 » Fri Jun 04, 2010 10:37 pm
Hi Julie. I rang last month and was told that they deal with it at review, with Grant Thornton. I just hope the info he gave me was right. When I have completed the paperwork for review it doesnt look like there is a lot left over to increase payments. We are already paying an extra 36 a month to cover payment break for broken boiler! I have included that too and just wrote down paying arrears beside it. Thank you for coming back to me so quickly Julie, it does help to have someone who can talk to. No one knows that we are in an IVA and trust me, four years in I cant believe we've managed to keep it from family.
 
 

Julie

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Post by Julie » Fri Jun 04, 2010 10:41 pm
I'm sure it will be fine..just make sure you explain about any increased expenditure including the childcare increase in September.

It must be hard not being able to confide in family, thats why the forum is so great. Everyone here understands and you can "talk" freely.

xx
 
 

sonj77

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Post by sonj77 » Fri Jun 04, 2010 10:55 pm
I think one of the hardest things is the small things like if hoover breaks (which it has) friends just say "oh just get one, put it on the plastic)! I always make light of it and say, oh no trying to be good! Then watch them off on holiday and buying new clothes, I know that we are doing the best we can and part of entering into iva was so that when my little ones go to school, we will be sorted and they wont miss out on anything. It is hard sometimes, but hopefully at the end of this I will be able to smile and look to the future without worrying how much money I have left to feed and clothe us until the end of the month!
Thanks again for taking time to reply to me, xxxx
 
 

Julie

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Post by Julie » Fri Jun 04, 2010 11:05 pm
The sorry thing is, the friends who are still using the plastic will probably be looking for help one day.

You know that everything you have is paid for and it may be a struggle, but its better than having those bills delivered by postie every month.

Please don't thank me, this froum has helped me so much and to be able to give a bit back is a pleasure.

xx
 
 

kallis3

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Post by kallis3 » Sat Jun 05, 2010 7:58 am
Hi Son,

Just wanted to wish you well with the review. My IP doesn't take any notice of a payrise until the review time. Trouble is that you get used to having a little extra money to spend!

I'm sure it will be ok, and at least you can now see that light at the end of the tunnel.
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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