IPA is it avoidable?

curly04

immoral_angeluk wrote: »

Have you not had help with your SOA and BR forms through CAB?

Was just going to ask the same thing

Geoff_n_Nat

Did our BR forms at home, financial man at cab was booked up till september, went through our income expense etc at the cab office, we had very little left at the end of the month and that was before claim4ref started on us.

Geoff_n_Nat

Have I done something wrong?

curly04

No nothing wrong you spoke to the CAB
if you had waiting for an full appointment they would have done what I did for you last night

Geoff_n_Nat

Oooh. it was almost an 8 week wait for financial guy, they said that they`re dealing with over 10 million pounds worth of debt at that office alone at the moment !! Thanks curly, felt a bit panicky then!

curly04

some judges do ask have you took advice and if you'd have said no they might have said no to the BR until you had

then again I didn't even get to see a Judge

Geoff_n_Nat

Me neither, we told the clerk our story and she saw how upset and stressed wife got. CAB did suggest BR as after usual bills, IVA payment, and everything else, their was very little at the end of the month, then claim4ref were after their bit on top of that. Wifes health was considered too. I really do think that she was really close to ending it all, had to take her to the DR for help as she wouldn't go, infact, she wouldn't do anything apart from stay in and sleep, and when she was awake she never spoke much at all. Our marriage was virtually at an end only a few weeks ago, but I think we'll be ok now

curly04

geoff have you read my story? look it up what a roller coaster - its somewhere near the top

but the hole process has almost killed me health wise and depression and it was the final nail in the coffin of my marriage

Geoff_n_Nat

I'll have a look ......

immoral_angeluk

It might be advisable to try and book in with your CAB guy. I know it may mean putting off your BR for a bit, but it could be the difference between having a large IPA or not..