| T O P I C R E V I E W |
| HELP BR |
Posted - 23 February 2009 : 10:26:15
I had my interview (telephone) with the OR back in mid Jan and she confirmed my monthly payments but I have received no paperwork as of yet. How long does this normally take
|
| 8 L A T E S T R E P L I E S (Newest First) |
| HELP BR |
Posted - 23 February 2009 : 16:59:14
Thanks Melanie - thats good news really |
| Melanie.n |
Posted - 23 February 2009 : 16:23:21
just remember if anything changes up OR down on your income and expenditure to get in contact with the OR and have it reviewed. Itis not set in stone!
Melanie Nicholas
28 years insolvency experience - 23 of which in the Insolvency Service
- Insolvency Manager
Jones Giles
|
| HELP BR |
Posted - 23 February 2009 : 15:41:40
I am coping with it ok now :-) Just hope the IPA will be reduced at some point |
| Melanie.n |
Posted - 23 February 2009 : 15:38:28
each payment you make is one more step to a debt free future! try to think postive in that way rather than oh gawd another payment to the OR - i had one client who looked on it from the persepective of one less threatening phonecall or letter and kept positive all the way through, although it seems tough to have an IPO when others don't but try to focus on your own particular circumstances, either way it one hell of a lot less than you were paying before!!!! Getting through this process without it bringing you down is hard to do but it will be easier to cope with if you stay positive hark at me I sound like I 'knit yogurt!!!! or hug trees.... which i can assure you I most definatly don't!
Melanie Nicholas
28 years insolvency experience - 23 of which in the Insolvency Service
- Insolvency Manager
Jones Giles
|
| Skippy |
Posted - 23 February 2009 : 14:17:05
It does go quickly though - I make my 21st payment this week, and being able to say I finish paying next year helps!
I broke it down into targets to make it easier:
6th payment
12th payment (1 year down)
18th payment (halfway)
24th payment (1 year to go)
30th payment (nearly there!)
Tomorrow is a mystery, yesterday is history, today is the present, a gift to make the most of.
View my blog at http://skippy13.blogs.bankruptcyhelp.org.uk/
20 IPA payments made, 16 to go - on the home straight! |
| HELP BR |
Posted - 23 February 2009 : 13:43:08
Melanie - thanks thats good about not back dating! I have actually saved the money but wantto keep it as savings.
Skippy - I know what you mean as i want to start paying asap so its over quicker! 36 months is a long time :-( |
| Melanie.n |
Posted - 23 February 2009 : 11:40:47
Don't worry they will be in touch as and when they have completed the paperwork enquiries on your file. They won't back date the payment so don't panic
Melanie Nicholas
28 years insolvency experience - 23 of which in the Insolvency Service
- Insolvency Manager
Jones Giles
|
| Skippy |
Posted - 23 February 2009 : 10:43:08
It took nearly 3 months from the date of my interview to the date of the first payment. I actually chased them as I knew I had an IPA and wanted to start paying ASAP!
It may take longer at the moment as the collection agency for IPA payments is changing from Clarke Willmott to Moon Beever, and they are in the process of migrating all CW payments across.
Tomorrow is a mystery, yesterday is history, today is the present, a gift to make the most of.
View my blog at http://skippy13.blogs.bankruptcyhelp.org.uk/
20 IPA payments made, 16 to go - on the home straight! |
