Comments for Skippy13's Road to Bankruptcy http://skippy13.blogs.iva.co.uk Just another Blogs.iva.co.uk weblog Fri, 16 May 2008 03:40:38 +0000 http://wordpress.org/?v=wordpress-mu-1.2.5 Comment on My allowances by james http://skippy13.blogs.iva.co.uk/2007/04/11/my-allowances/#comment-19 james Thu, 20 Dec 2007 19:59:42 +0000 http://skippy13.blogs.iva.co.uk/2007/04/11/my-allowances/#comment-19 Hi Skippy,I have read your blog many times,and take good faith from it,I am 32k in debt,this year I stopped smoking,sold my house to a great private landlord,which I now rent off him,had to sell my business for nothing,and I want to go bancrupt rather than an iva,cos I want to move in with my girlfriend of 10 years,but she has no idea,later next year,she lives in acouncil house,suppose im rambling,got any advice pleeeeese,james. Hi Skippy,I have read your blog many times,and take good faith from it,I am 32k in debt,this year I stopped smoking,sold my house to a great private landlord,which I now rent off him,had to sell my business for nothing,and I want to go bancrupt rather than an iva,cos I want to move in with my girlfriend of 10 years,but she has no idea,later next year,she lives in acouncil house,suppose im rambling,got any advice pleeeeese,james.

]]> Comment on The beginning by Vince http://skippy13.blogs.iva.co.uk/2007/02/21/the-beginning/#comment-18 Vince Sun, 18 Nov 2007 18:12:47 +0000 http://skippy13.blogs.iva.co.uk/2007/02/21/the-beginning/#comment-18 Hi, Great blog, Just going the same route now so its proving quite informative. Just wanted to add that Accuma sorted my IVA and i have just come to the conclusion that they seemed to come out of it better. I feel BR should have been my best option but they implicitly steered me toward an IVA... seems even when you've got nothing left theres always one more ready to rip you off. oh well Hi, Great blog, Just going the same route now so its proving quite informative.

Just wanted to add that Accuma sorted my IVA and i have just come to the conclusion that they seemed to come out of it better. I feel BR should have been my best option but they implicitly steered me toward an IVA… seems even when you’ve got nothing left theres always one more ready to rip you off.

oh well

]]> Comment on IVA -v- IPA by scaredkez http://skippy13.blogs.iva.co.uk/2007/05/13/iva-v-ipa/#comment-13 scaredkez Fri, 25 May 2007 00:04:27 +0000 http://skippy13.blogs.iva.co.uk/2007/05/13/iva-v-ipa/#comment-13 thats really good skippy it will give others facing BR an insight into what is allowed thats really good skippy it will give others facing BR an insight into what is allowed

]]> Comment on Amended IPA by skippy13 http://skippy13.blogs.iva.co.uk/2007/04/13/amended-ipa/#comment-8 skippy13 Tue, 24 Apr 2007 20:30:41 +0000 http://skippy13.blogs.iva.co.uk/2007/04/13/amended-ipa/#comment-8 Thanks Jo, I know how scared I was so hopefully I can help someone else! My IVA hadn't technically failed, but as I knew I couldn't afford the repayments and I couldn't have a variation my IP recommended that I go BR. I was originally going to wait until it actually failed in May (after 3 missed payments) but I decided to get it out of the way as soon as I could. Thanks Jo, I know how scared I was so hopefully I can help someone else! My IVA hadn’t technically failed, but as I knew I couldn’t afford the repayments and I couldn’t have a variation my IP recommended that I go BR. I was originally going to wait until it actually failed in May (after 3 missed payments) but I decided to get it out of the way as soon as I could.

]]> Comment on Amended IPA by Jo http://skippy13.blogs.iva.co.uk/2007/04/13/amended-ipa/#comment-7 Jo Tue, 24 Apr 2007 15:31:55 +0000 http://skippy13.blogs.iva.co.uk/2007/04/13/amended-ipa/#comment-7 Well done Skippy, a really interesting blogg. I think it goes a long way to dispelling some of the myths about bankruptcy. I'm interested to know wether your IVA had to fail before you could petition for bankruptcy or were you able to apply while the IVA was still in force. Well done Skippy, a really interesting blogg. I think it goes a long way to dispelling some of the myths about bankruptcy.
I’m interested to know wether your IVA had to fail before you could petition for bankruptcy or were you able to apply while the IVA was still in force.

]]> Comment on Amended IPA by skippy13 http://skippy13.blogs.iva.co.uk/2007/04/13/amended-ipa/#comment-6 skippy13 Mon, 16 Apr 2007 20:31:45 +0000 http://skippy13.blogs.iva.co.uk/2007/04/13/amended-ipa/#comment-6 They did away with the £50 incidentals and reduced my holiday fund from £50 to £20 - I'm not surprised really! Good luck for your meeting next week x They did away with the £50 incidentals and reduced my holiday fund from £50 to £20 - I’m not surprised really! Good luck for your meeting next week x

]]> Comment on Amended IPA by Adele http://skippy13.blogs.iva.co.uk/2007/04/13/amended-ipa/#comment-5 Adele Mon, 16 Apr 2007 14:48:03 +0000 http://skippy13.blogs.iva.co.uk/2007/04/13/amended-ipa/#comment-5 Hi Skippy, what has the OR dissallowed from the original telephone interview, how come it is different now than previous just curious really my interview is next week i have a negative value which if allowed will be brought back to a 0 balance if mat is allowed to pay me the extra income that i will need, his is disposable if £80 so will have to wait and see what happens Hi Skippy, what has the OR dissallowed from the original telephone interview, how come it is different now than previous just curious really my interview is next week i have a negative value which if allowed will be brought back to a 0 balance if mat is allowed to pay me the extra income that i will need, his is disposable if £80 so will have to wait and see what happens

]]> Comment on My allowances by Alec http://skippy13.blogs.iva.co.uk/2007/04/11/my-allowances/#comment-4 Alec Wed, 11 Apr 2007 12:59:23 +0000 http://skippy13.blogs.iva.co.uk/2007/04/11/my-allowances/#comment-4 Quite scary seeing your life divided up like that, into sub titles and figures. Really makes you think about where every thing is going and its shocking how it all adds up. Good luck to you Quite scary seeing your life divided up like that, into sub titles and figures. Really makes you think about where every thing is going and its shocking how it all adds up.
Good luck to you

]]> Comment on The OR… by Siritha http://skippy13.blogs.iva.co.uk/2007/04/01/the-or/#comment-3 Siritha Mon, 02 Apr 2007 17:21:56 +0000 http://skippy13.blogs.iva.co.uk/2007/04/01/the-or/#comment-3 Good luck with everything! Horrid to be waiting for such a thing as a bankruptcy pack! Siri Good luck with everything! Horrid to be waiting for such a thing as a bankruptcy pack!
Siri

]]> Comment on The beginning by Letty http://skippy13.blogs.iva.co.uk/2007/02/21/the-beginning/#comment-2 Letty Fri, 30 Mar 2007 09:30:33 +0000 http://skippy13.blogs.iva.co.uk/2007/02/21/the-beginning/#comment-2 Hi. i really enjoyed reading your blog. Because I know exactly what you mean about control. When i first started looking into solutions there was so much blurb and jargon that I felt overwhelmed and nobody seemed to be actually fighting my corner. I mean i know that the debt was my fault due to irrational spending but I was also brave enough to stand up and accept my problem and ask for help. but what i needed was non-bias genuine help. i really felt like shouting ARGH when looking at all the suggestions. I have now, having gone through a few IP's (!), actually found some one who I got on well with and helped me. Im starting on my IVA next week and cant wait, I feel like its all going to be lifted off my shoulders. But I wish the journey hadnt been quite so gruelling. Good luck Skippy, some times faith and sheer determination is all you have left. xxxx Hi. i really enjoyed reading your blog. Because I know exactly what you mean about control. When i first started looking into solutions there was so much blurb and jargon that I felt overwhelmed and nobody seemed to be actually fighting my corner. I mean i know that the debt was my fault due to irrational spending but I was also brave enough to stand up and accept my problem and ask for help. but what i needed was non-bias genuine help. i really felt like shouting ARGH when looking at all the suggestions. I have now, having gone through a few IP’s (!), actually found some one who I got on well with and helped me. Im starting on my IVA next week and cant wait, I feel like its all going to be lifted off my shoulders. But I wish the journey hadnt been quite so gruelling. Good luck Skippy, some times faith and sheer determination is all you have left. xxxx

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