vet bills

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laleanne1

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Post by laleanne1 » Tue Mar 26, 2019 6:36 pm
my cat is serioulsy ill, i do have insurance for her but the vets are wanting upfront which i just dont have. My insurance company are happy to pay the vet direct but i have pay my normal fee and 20% of the total cost due to her age which could be a couple of hundered, what are the chances of me abing able to take out a small loan no more than £500 to cover this and what company would lend me this if my ip agress to this?
thanks in advance
laleanne1

MerlinL14

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Post by MerlinL14 » Tue Mar 26, 2019 6:54 pm
I would speak to your IVA company about a payment break. You really are not allowed to take out further credit and a payment break will not put you back into debt just extend the IVA term by a couple of months to make up the missed payments.
Last Payment made 04/12/14. Completion Certificate 25/7/15. IVA company GT. No Issues

laleanne1

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Post by laleanne1 » Tue Mar 26, 2019 6:56 pm
i have to take a two month pament break last year due to a high gas/elec bill so not sure its an option plus my DD has already been taken and would be looking to get the cash by next week to cover my cost of the bill, i did have a little saving but had to use this to repair the boiler which was great not having to worry so just in the process of trying to build my saving up again but that took nearly two years.

thanks
laleanne1

Foggy

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Post by Foggy » Tue Mar 26, 2019 7:44 pm
Even if your IP agreed, the interest on such a loan would be astronomical and only the less than responsible lenders would consider it. Are there any family members or friends that can help ?
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
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laleanne1

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Post by laleanne1 » Tue Mar 26, 2019 8:07 pm
afraid not even called the pdsa but becuase i dont get any benfits will not treat her
laleanne1

Foggy

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Post by Foggy » Tue Mar 26, 2019 8:35 pm
Cats Protection League or RSPCA ??
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
http://foggy.blogs.iva.co.uk

laleanne1

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Post by laleanne1 » Tue Mar 26, 2019 9:03 pm
thanks will try them cant leave my little princess ill
laleanne1

sue934

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Post by sue934 » Wed Mar 27, 2019 8:24 am
As a pet lover, I do feel for you. Similar things happened to me a couple of times during my IVA. I managed by a combination of cutting expenses(baked beans on toast for a month!), extra shifts at work, eBaying a few bits and begging nearest and dearest for help. Best wishes to you and your girl! X

kallis3

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Post by kallis3 » Wed Mar 27, 2019 9:07 am
Hope she gets better soon.
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.
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