Re: The Happy Thought Thread Part 4
 

Cheers, just ordered mine, just got to send off the paperwork etc and hopefully that's that.

But mainly my mother with serious emphysema who can't walk for more than a couple of minutes / seconds is in real need for one but do not claim any benefits at all. We didn't know that she could claim for one on the back of a doctors note.

Re: The Happy Thought Thread Part 4
 

IVA has been accepted :)

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Congratulations that must be a relief. :)

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sure is mate

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excellent :-)

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Hopefully that's good for you.

I admit in taking an interest in this because of my neighbour is about to go through the same thing (or a lot worse as far I'm concerned). I can only offer so much advice but from what I've seen it down to the individual circumstances so there's no real right or wrong answer which is why I'm struggling on this subject.

On moneysaving expert it says it can cost upto 7.5k to go the IVA route which I can't believe, it sounds totally wrong to me unless it's a business type of arrangement. Where as bankcuptcy would be cheaper. I'm finding it hard to get a balanced view of the benefits of either ways.

Re: The Happy Thought Thread Part 4
 

Bankruptcy you can loose a lot of your assets and controls on where your money goes is tight
The other options are down to disposable income.

If you can show you have less than £50 left after all your bills and reasonable costs and have debts upto 15000 you can apply for a Debt Relief order which rights all debt off pretty much straight away and you can do this through CAB

I had to much left at the end of the month so could not apply for DRO. The IVA is normally a monthly payment for 5 years and you must pay at least a quarter back I had over £15k debts and at the end of my agreement I will have paid back 6000 all interest frozen. It has cost me £340 to get to this point but the company I used is well covered by governing bodies some will get the IVA for free but you may find you have to agree to higher monthly payments and they fleece you that way

The other option is just a payment agreement all interest gets frozen and you pay a monthly fee which will include management charges so will take 10+ years to clear

All the above comes off your financial records after 6 years

I think the 7.5k is what you pay back in total rather than fees

Re: The Happy Thought Thread Part 4
 

Just arrived last night in Hampshire with family and we are off to Gunwharf Quays today with parents and tomorrow we will be taking in Dorchester.:)

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Hope you have a fabulous time Den! :)

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sounds like fun :tu:

My happy thoughts, doing housework today which takes my mind of things.

And in the next children's church I get to dress as a woman, I just have to pick a nice dresses.

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l bet you will be very dapper trying on your new dresses dilli.:D

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It's not the first time I've been caught in a dress ;)

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Having done the housework - trying to burn my first playable Blu-ray :)

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Ive had success with dvdfab and imgburn writing them

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I did try dvdfab which oddly works fine on my laprop, but refuses to actually do anything at all on my PC.

I now have a 25gb file which I created on the laptop and am trying to burn it - we'll see in about 1.5 hours ;)