Hello All! Hope you are all well and enjoying this mixed bag of weather we have been having recently!!!![:D]
Firstly, the last thing you heard from me was that terrible delay on getting an answer to my IVA application, which if you remember, thanks to all the support on the boards and personal plees to help me to Declan from DFD, I was finally accepted!! It was an awful time as my uncle had just passed away and my mum was relocating which meant that I was going to be homeless if I didn't get the result I was praying for!! 6 months in now and the payments are being made on time, my mum has agreed that I can stay in her home till August when they finally move to OZ and sell the house (they are now living in my step dad's house) and I pay £400 rent plus £200 for bills which was what was agreed at the Chairperson's Meeting.
Here's the question, based on my payments of £323 per month, over 5 years I calculate that the amount agreed for payback was £19,380 - I think I owed just over 30k - I have recently had more bad times, my other uncle died and my granddad shortly after, which means that when my mum moves to OZ I will have no family around, on top of this I have been told that there might be a chance of redundancy at work and as I have only been here 14 months, I will get at the most a couple of hundred pounds and given the way the job market is at the moment, I am not sure that I will get a job straight away, paying what this does and in a location that wouldn't mean an increase in petrol!
My mum is really keen on me moving with the rest of the family and given what has happened in the last 9 months, I really don't think I can "lose" anymore family - I have already been signed off work with depression, by my doctor for 4 weeks and am now on antidepressants.
From the sale of my mum's house, she says that she might be able to offer £10,000.00 only on the understanding that this is a fixed and final payment and I move with her in September - if I offered that, plus what I have already paid (£1,938) + my payments between June and August (£969) TOTAL £12,907 - Do you think that this would be an acceptable offer to make (and be accepted)???
Lots of Love Lusso xx
Last edited by
Lusso1979 on Wed May 05, 2010 11:05 am, edited 1 time in total.