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jelly4toes
Starting Member
United Kingdom
15 Posts |
 Posted - 27 November 2008 : 11:35:18
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ipa question.
i am really scared and worried about the prospect of an unrealistic ipa being imposed.
i went br in march.the or has allowed me to pay for legal costs in divorce so i have had to work 100 hours a week to do this,the divorce is still ongoing.My OR now wants to address an IPA with me,but as asinglle parent i cannot keep working this much my health and my realtionship with my child will suffer.What can i do as the OR will look at my wage slips and on the face of those will think an ipa is viable.could a kind person advise me what i can do please. |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 27 November 2008 : 11:50:36
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Hi Jelly4toes
Welcome
Firstly, i am sorry to hear about your present situation, are you still doing that amount of hours of has that stopped now.
Is your child living with you or are you just helping with his upkeep so to speak.
The OR will want to know about any changes and if you have now dropped in hours then you need to make them aware of this and if an IPA is inpossed then you can ask them to reconsider now as you have less money coming in.
You need to look after yourself, if your doing that amount of hours then you need to think about you for a change, your chilkd needs you to be healthy and by continually doing that amount of hours will in the long run not help you.
Whilst i know things cost money, you need to take a deep breath and try and make a plan of action, your health and well being MUST come first.
I hope that i have not scared you off. You could also if you want give our helpline a call, the number is free and someone if they cant speak straight away will get back to you.
That number is 0800 078 9367.
Keep on posting and we will be there for you.
Jo
x
For more info on how i have come through bankruptcy and for links to help, you can read my blog here called:
Needafriend's Info on Bankruptcy :-)
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
Needafriend says: Live life to the full, take life by the horns and live a little, otherwise life would be so boring!
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jelly4toes
Starting Member
United Kingdom
15 Posts |
Posted - 27 November 2008 : 12:05:15
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thankyou jo for your reply i read your blog and it restored my faith in humanity i feel so low.
no i am still working 100 hours a week
i am trying to stop the house being reposessed the ex husband has done everything in his power to make us lose our home.he was having a 3 year affair i found out he now lives with her in her 700k house.he won't sign for the house to go on interest only the or will agree to me paying interest only he won't sign hence i am having to fight in the court.the hearing is adjourned to feb as he didn't lodge certain documents.he plays a nasty game.all i want to do is stay put and be a mum.so i work 100 hours a week to pay legal fees etc.the or will think i am affluent.so i don't know which way to turn.its me and daughter alone facimng the world.i work the extra to pay these things its not regular income but at the moment it looks like it is. |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 27 November 2008 : 12:15:23
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Hi there again,
You really need to think about you and what you can do to keep yourself sane and also yor child safe and settled.
Your no good to her if you are going to make yorself ill with all those hours.
Is there no way that the Mortgage co cant help, im with the C&G and they changed mine without having to sign anything so maybe you could contact them again.
Because your working so many hours your never going to see your daughter grow up. Is he paying anything towards the house, bills or even your daughter.
I wish i could help you more, i really do. U must be strong and dont let this guy drag you down, you have a daughter that needs you to be fit and healthy.
How old is your daughter, if you dont mind me asking.
Anyhow i do hope that you can get this sorted out and the sooner the better.
Take care, and remember that on here your not alone and never will be :-)
LOL
Jo
x
For more info on how i have come through bankruptcy and for links to help, you can read my blog here called:
Needafriend's Info on Bankruptcy :-)
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
Needafriend says: Live life to the full, take life by the horns and live a little, otherwise life would be so boring!
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jelly4toes
Starting Member
United Kingdom
15 Posts |
Posted - 27 November 2008 : 12:26:57
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| i will be ok if i can get on interest only what do i do about the or and the ipa that is the thing that really is worrying me at the moment. |
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Jane.l
Average Member
511 Posts |
Posted - 27 November 2008 : 12:49:55
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| The only advice I can say, from my own experience, is DO NOT sign or agree to an IPA if it is unrealistic! It is an AGREEMENT, if you do not agree, do not sign. IF the OR takes it to court, then you can explain all this to the judge. We refused to sign the IPA agreement, I kept on questioning it as we did not agree with it as we had £20 surplus, and in the end, the matter was dropped. |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 27 November 2008 : 15:18:38
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Hi Jelly
I agree with Jane here, dont sign anything until your 100% happy, you are under no obligagtion to sign until you are satisfied and if the OR are adamant that you have to pay a certain amount and you dont sign it will cost the time and money to get it done via a court.
Good luck and if you feel like a chat, go into our new Members Meeting Place, its there to just chat about anything and make new friends.
LOL
Jo
x
For more info on how i have come through bankruptcy and for links to help, you can read my blog here called:
Needafriend's Info on Bankruptcy :-)
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
Needafriend says: Live life to the full, take life by the horns and live a little, otherwise life would be so boring!
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jelly4toes
Starting Member
United Kingdom
15 Posts |
Posted - 15 February 2009 : 09:01:25
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| the pressure is really on and i feel permanently ill.I visited debtline and the guy there lokked the ipa over and agreed i could onlt make the ipa proposed payment if i worked 100 hours a week.i simply cannot do that anymore i feel like a dead duck most of the time.So he wrote to the or and politely pointed out what i had said to the lady at the or office.That was 3 weeks ago heard nothing since the waiting is horrible.They will either accept what i say or susoend my dishcharge and seek an ipo at court.I can't face any more district judges after the divorce experience and i feel so scared.I feel like i am such a bad person and i deserve all of this.I really need this all behind me.I was counting the days down to dishcharge seems like it will all never end.how do you deal with this stress and where is the fresh start. |
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Reviva UK
Advanced Member
United Kingdom
2452 Posts |
Posted - 15 February 2009 : 10:00:37
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The OR's are not generally unrealistic regarding IPA's
It may be that they misunderstood some of your expenses initially and need to have the situation revisited - nothing to worry about just a process to go through.
Paul Johns
Assisted Bankruptcy Specialists
Reviva UK
http://www.revivauk.com
Real People ..... Real Debt Solutions
www.revivauk.com |
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 15 February 2009 : 13:36:22
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Good luck with getting this sorted out, I hope your OR sees sense x
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! |
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really scared and worried about unrealistic ipa
