Told my IVA is to fail : My road and diary to bankruptcy

Rylynn

Monday 9 June Diary

Printed off 4 copies of forms needed. Looked up some things on the net and printed those off as well, will get the link here later as to where I went to read swiftly as did not have long at the time.

Positive action, said I would ring the court today and I have.

Reply was they only work a bookable system, he is also sending me out the forms.

Next appointment was 27 June, but I cannot take that as I need the IVA people to say the IVA has failed, and what they are doing about it, and need to give them 3 to 4 days, before I ring them back if they have not contacted me.

Had letter this morning from Payplan (who IVA is with) ha ha, I did laugh they want my income and expenditure, what a laugh, these people really have no idea what the hell they are doing. I imagine this was sent before my call on Friday, but even so surely they should have shelved it and rung ME UP.

One good thing I have the blank I&E so can use that to try to work some things out then see what the ones for BR have on them, as I am sure they must be almost identical.

Have to realise I need to raise this money to go BR, as I have no credit cards, or anything having been accepted in 2005 for an IVA I have abided by the rules to the letter, no cards, no overdraft no cheque book, so on that score BR for me is not as frightening, but just as daunting as £500 still has to be found, or borrowed. I guess if my IVA fails I could accept one of these nutter credit cards, but sure it would be refused as soon as they saw my credit rating! mind you having said that I know someone who did just that, but to be honest it is not a route I intend taking.

I never want a credit card, loan or anything else again. I have not had a holiday in over 4 years, but am not bothered, odd to see you can add holiday saving to BR and Xmas and B*day pressies you cannot to my IVA. I wont be adding them to the BT either, I wont have the funds to even contemplate doing that, and I do not want to be refused the BR.

I remain positive, with some nagging fears, but have decided if they choose to take my car then my option may have to be to give up work, live on benefits, get my rent and council tax paid and do what other lazy beggers do... ie NOTHING, get a tan and reduce the vitamin deficiency by sitting in my garden all summer! if it does not rain like last year of course. AND of course I am not even wanting to go that route. I do not want to be on benefits, or not work at all, I want to support my son and myself as much as I can.

I did not sleep well last night, nothing new I guess, as the ME plays up when I lay down and this on my mind is not helping much.

Okay question for someone: please:A

I have tax credits, phoned last May to say I was off sick, and being paid sick pay, was told if you are not back to work by November call us back. I was back by November. I also had 29 days acrued holiday, so my company allowed that to be used on the days I was not in work until used up at end of March. I was still on my 37 hour contract til that time as well.

My wages for the previous year were way above the total on this years P60, the man I spoke to did realise this would be the case, and said you can guess it now, or wait, I said I would wait. So in my brain I have thought I must have been underpaid? I have one child aged 13 so assume this is working tax and child credit. Amount paid a month right now is £103.00.

Now from April my company got snotty and decided they were going to push for definate weekly hours, Occ Health were not happy as they wanted
the contract for 3 months )occ health arguement, I was increasing too many hours to fast, and then not being allowed to increase a small amount each month! BUT I agreed, need the job, and decided on 25 hours (again Occ Health doc was not impressed with them pushing me for this from just the 12 I was doing in March).

So from April I have been on a new contract (not that I ever signed it as Occ Health said dont unless they ask for it back which they have not done).

Hours 25, meant holiday reduced, and obviously sick pay, only holidays were put in writing with new hours nothing about sick pay, but may not be entitled to any due to 11 months off last year.

Gosh I will get there in a moment. So my question here is, when I phone the Tax Credit people, if they owe me money (please god!:A ) can I use this to put towards paying for my BR, will they pay any owing in full or add it to this years payments.

I have not phoned as I want the IVA to have been failed in writing, or they will want this money!

Also will the Working tax, child credits be now reduced due to my working less hours than I was, although this is an open ended thing with the idea being I return to full time work, this is written into the letter from HR with the new hours as I insisted on it, did not want to find in 3 months I could work more and they said NO .. sadly GP has said hours must not be adjusted right now, and Occ Health are likely to say the same tomorrow.

Sorry to ask more questions ,but hope someone may have some answers to this. As I say I do not want to phone them right now, as Payplan have said the IVA will fail, and they do not think they will make me bankrupt, but has to be looked at by practitioner first.

Thank you all for you help, support and friendships, I know this site is why I do feel more positive. I also think the person who posted, yet another mis sold IVA was dead right, but all things happen for a reason and maybe it was not meant for me to go BR in 2005!

Merry_Gentry

I got no answers - in fact completely out of my depth with all your stuff :eek: - but just wanted to say :hello:

Rylynn

Summer1969 wrote: »

Me too. I heart Nadal. :j I feel better today, thanks for the posts last night. I've nearly done the forms and have meeting with Debt Specialist tomorrow. :T

How are you today? x

I have loved him since year before last, one great tennis player, best I have seen in years, and I am a pure tennis freak! MacEnroe, Aggassi, and of course our own Wimbledon Doubles Champ Murray, not Andy not at all sure about his attitude to be honest, especially about his OWN brother. Nice to have something to just relax to, that and of course, American Idol David Cook! Jon Bon Jovi, and CSI, Silent Witness, Waking the Dead (thats me of course!:rotfl: ) and one other that escapes me, and NO I am not a TV freak, hate soaps, love music! and write poetry for my sins, which has not been recently.

So pleased you feel better today Summer, the down days come, what you have to hold onto, is that they will pass.:j

If the medicine tastes bad it is good for you, I guess the same ought to be said of what we are all going thru, as I do hope it makes us stronger and more aware of things and decisions we make in the future.

Rylynn

debt_doctor wrote: »

http://www.rnib.org.uk/xpedio/groups/public/documents/PublicWebsite/public_rnib003559.hcsp


....and this for DDA discrimination at work.

DD

Thank you DD off to add it to favs and take a look, with everything else I just did not need witch to start her nit picking all over again, even down to my parking in disabled when there are 8 bays and none ever really used... just plain out to get my back up!:mad:

Rylynn

Merry_Gentry wrote: »

I got no answers - in fact completely out of my depth with all your stuff :eek: - but just wanted to say :hello:

Bless you Merry, you can imagine why I have not looked at this blessed 30 page doc then! I only think I have been thru the IVA and this is harder but at least I have that experience to try to hold me together, as I went to the creditors meeting all they way up the motorway, to find NOT ONE creditor turned up! I was sh*tting myself, as was told they could ask me questions thru the IVA officer in the room, I was like OMG! and then it failed, but passed the next week without me being present.

I remember that drive home I was devastated, I cried which was pretty stupid while driving, I felt like someone had just kicked me in the stomach. The next seven days were hell, my poor mum was beside herself as I was so low and down, and my son at the time was 11 and he kept asking me what was wrong, until I decided it was best to just tell him. He knew the OH (not his dad) had left me in the poo, but not just how much, since then I try to make sure I tell him things.

On Friday he came in from school during my call to the IVA, he knew by my demenour that I was not happy, and when I ended the call, (having told him to shutup for 10 mins and go away til I got off the phone!) I told mum what had been said and then told my son. He has been a brick to me with the ME, since I was off ill he has got himself up for school, well I call him and then he gets ready and has made me a cup of tea (not during holidays!), brought it up, given me a hug and kiss and got himself off to school. I could not wish for a more caring son to be honest with you, and when I feel totally sorry for myself I tell myself how lucky I am to have him.

I know you have worried about your daughters Merry, not sure of their ages, but kids are more resilient that we think at times, still lazy blighters, well boys are!!:rotfl:

Rylynn

Okay I take it no one has any answers .. so tomorrow plan of action:

Call tax credit people and find out what they have to say for themselves, will then post here as someone else may find themselves in this position.

Also add to that ! read the 30 pages, have a pink fit and go to bed!

Rylynn

10 June 2008

Well today has not been a good day at all. :mad:

I did not phone the credit tax people, have had such a bad day and could not deal with that as well.

I did phone and pay my council tax which was due on the 8th, which I forgot, mum kicked me up the backside and said "you paid that yet" reply NO.. reply "heres the phone". She knows I have had a hell and back day, but she will not let me leave the important things, and we have not been in arrears with CT or rent, and we do not want to be either.:A

:T Well done to Summer and Merry today as well, at least their stories have kept me half sane.

I feel very in limbo right now, I need to know what the hell Payplan intend to do and until I get that reply I dont feel I am going anywhere fast. Yes I have now got all the docs printed out, not read them yet, and will not today, as that may just tip me over the edge.

Have read and replied here tonight, and learnt a few more facts I did not know.

1. Why do they take your tax? well they don't do they, you just do not pay any, then what, you have to pay the OR, once a month? or what?

2. Dalip and Phil thank you for the replies in Summers thread about OH money, in my case my mums money.

3. CAR: Due to circumstances that happened today with Occ Health, I will be seeing my own GP next Tuesday, and when I see him hope to clarify some things on how far I can walk, how long I can stand etc. As well as what I can lift, shove, push, pull, stretch for etc. The walk and stand issue is not only for work due to some nut thinking they can bully me in another way, but will also I hope aid me with the OR eventually as to why catching buses is out for me.

4. Question: I have not claimed any rent or council tax reduction, due to mum being here and working, can the OR ask why not? or say I should have etc?

5. Disability Living Allowance, thanks for the links, I intend talking to my GP about this on Tuesday as well, and also getting forms to fill in. I do not want to live off the state, but am coming to the very fast conclusion here that I should claim this benefit, and probably should have done when put on incapacity benefit in August last year. I do still have the mans name at the job centre, he was my advisor, so will phone him up, hopefully tomorrow if not feeling as low as I feel right now.

6. Sorry I am not very positive today, I actually feel that someone out there sees me down and puts in the final kick, which is not like me at all. SO I have to remember BREATHE... relax, and BREATHE again.:j

I think on top of everything else the sly bullying did me in today.. and also I need Payplan to get in touch with me and tell me what is happening, I know she said the file had to be taken to the practioner, well I hope he moves his backside so I can get on with this, as being in limbo is not very nice.

Thank you all very very much, will hope my diary update tomorrow is much more positive than todays.

Oh and NO I did not read the 30 pages, was too stressed out about going today to Occ Health, I knew something was going on, my mum said STOP it, you are paranoid, I have never been paronoid, and was dead right, something was going on.:mad:

Rylynn

dalip

Rylynn wrote: »

10 June 2008

Well today has not been a good day at all. :mad:

I did not phone the credit tax people, have had such a bad day and could not deal with that as well.

I did phone and pay my council tax which was due on the 8th, which I forgot, mum kicked me up the backside and said "you paid that yet" reply NO.. reply "heres the phone". She knows I have had a hell and back day, but she will not let me leave the important things, and we have not been in arrears with CT or rent, and we do not want to be either.:A

:T Well done to Summer and Merry today as well, at least their stories have kept me half sane.

I feel very in limbo right now, I need to know what the hell Payplan intend to do and until I get that reply I dont feel I am going anywhere fast. Yes I have now got all the docs printed out, not read them yet, and will not today, as that may just tip me over the edge.

Have read and replied here tonight, and learnt a few more facts I did not know.

1. Why do they take your tax? well they don't do they, you just do not pay any, then what, you have to pay the OR, once a month? or what?The OR has a collecting agent that you pay what you should have paid in tax to them. Yes all very well if you are on a set wage but god only knows what happenes if your wage varies:o

2. Dalip and Phil thank you for the replies in Summers thread about OH money, in my case my mums money. You are welcome thats what we are here for:D

3. CAR: Due to circumstances that happened today with Occ Health, I will be seeing my own GP next Tuesday, and when I see him hope to clarify some things on how far I can walk, how long I can stand etc. As well as what I can lift, shove, push, pull, stretch for etc. The walk and stand issue is not only for work due to some nut thinking they can bully me in another way, but will also I hope aid me with the OR eventually as to why catching buses is out for me.The main problem the OR has is if you don't work and have a car, but seeing as you DO work and you have ME you have a good case for keeping it. Good luck

4. Question: I have not claimed any rent or council tax reduction, due to mum being here and working, can the OR ask why not? or say I should have etc?Just say you did not know you were entiltled to anything;)

5. Disability Living Allowance, thanks for the links, I intend talking to my GP about this on Tuesday as well, and also getting forms to fill in. I do not want to live off the state, but am coming to the very fast conclusion here that I should claim this benefit, and probably should have done when put on incapacity benefit in August last year. I do still have the mans name at the job centre, he was my advisor, so will phone him up, hopefully tomorrow if not feeling as low as I feel right now.

6. Sorry I am not very positive today, I actually feel that someone out there sees me down and puts in the final kick, which is not like me at all. SO I have to remember BREATHE... relax, and BREATHE again.:j

I think on top of everything else the sly bullying did me in today.. and also I need Payplan to get in touch with me and tell me what is happening, I know she said the file had to be taken to the practioner, well I hope he moves his backside so I can get on with this, as being in limbo is not very nice.

Thank you all very very much, will hope my diary update tomorrow is much more positive than todays.

Oh and NO I did not read the 30 pages, was too stressed out about going today to Occ Health, I knew something was going on, my mum said STOP it, you are paranoid, I have never been paronoid, and was dead right, something was going on.:mad:

Rylynn

You say you are waiting for payplan. Ok but what is wrong with you ringing up one of the debtlines in my sig, ringing the courts to find out what sort of system they operate, asking how many copie tey need for your SOA???? COME ON GIRL, DO IT,DON'T GIVE UP NOW IT'S TO EARLY IN THE GAME.


Can i ask if you go bc would you able to either a)change you job b)give up work altogether?.I ask as that is what saw me through the rough and the smooth of bc.D

Rylynn

Oh Dalip yesterday was a much better day, and plan for yesterday was ring the court and I did, did post last night to that effect. They work an appointment system, next one was 27 June, I could not say I would take it due to blessed Payplan, I need them to say failed, not failed, they are making me bankrupt (see them pink pigs flying past ha ha!) so I asked him to send me the forms, he was very nice said missed the post will be in what is now todays post.

I had printed them off, but thought well get there copy as well, another one for me to muck up as I am sure I will.

I do not feel I can ring these people with nothing in writing from Payplan, but maybe I will say blow them and just phone tomorrow when I get home, will use those in your signature dalip.

I am not a give upper, but I am very down today! sorry.

I can say here and now it is not a case of IF I go BR, unless they refuse me, I have to go BR, and should have in 2005, but you know something stopped me then and I imagine in the larger scheme of things there was a reason, I live with those type of thoughts, what does not happen today was not meant to etc.

Change my job, well who the hell would employ me, I was off last year for 11 months, I have ME, I can only work 25 hours, I am a secretary, and with ME cannot lift, carry, shift, push or shove (mind you wish I could shove right now as would shove a certain person off a cliff!) so changing jobs can see as a major NO one would want me.

Could I give up, well that is not an option I care to consider really, there is my mum aged 73 working an 8 hour day, starting at 8am or before, and she has been my brick (so has my elder daughter and my younger son, elder son, erm where is he exactly.. let me know if you find him!). She does all the housework, garden (which was my domain) ironing, most of the chores a man would do as well. I could not consider giving up Dalip and her work, I feel bad enough doing less hours than she does now.

My problem with work IS not the work, well it was not til witch decided to think I am the archive agent, 26 boxes, full of paper and files, in 25 hours.. I only do 25 hours a week, so you can work out what that meant and then had to have 10 days off sick! I have ever really fought back, I did once, 4 years ago, it got me no where and 4 others as well got no where.. she must have a silver spoon in her backside as well as her mouth!

But today I saw very very red, and I told the Occ H doctor just what I thought, he is on MY side, but wo
ithout actually saying it, when asked are they trying to get rid of me, he said probably... 7 damn years I have worked there, and I can say now I used to be the mug who worked til 8pm every night.. anyone reading this just remember you dont get brownie points for being dedicated, you just get MUG across your forehead.

Sorry I sound very bitter tonight, but that I guess is the way I feel, what with Friday and the IVA people, who I think I coped with, today and the underhanded sly blow I was given was about enough to finish me off... am I suicidal NO.... will I be beaten, a year ago that would have been NO as well, right now, I feel like everyone and his dog has it in for me... and NO I do not feel sorry for myself I am simply fuming, but crying as well, as all I want to do is work the times I can, and support me and my son. I always knew when the brown stuff hits the fan, be prepared for the next lot, but in hte space of 4 days it was all too much to be honest.

I have looked at the links given here on dismissal, but I work for a huge organisation, who report to be FAMILY friendly I wonder just who they are kidding!

Rylynn

philnicandamy

Hmm its an all too familiar story......I worked in the NHS for many years...bullied non stop for the last 2yrs or so & after arthritis/RSI/Depression/Fibromyalgia/ME got the better of me they treated me like an inconvenience and couldnt wait to get rid of me.........i'm glad they did i'll have the last laugh one day it's their loss thats for sure