24-06-2013, 12:56
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#6736
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NUTS !!
Join Date: Apr 2006
Posts: 5,252
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Re: The Happy Thought Thread Part 4
Quote:
Originally Posted by dilligaf1701
it was very easy to get mine. it took about two weeks.
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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.
__________________
Oh what fun it is
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24-06-2013, 13:29
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#6737
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Guest
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Re: The Happy Thought Thread Part 4
IVA has been accepted 
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24-06-2013, 13:39
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#6738
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CF Resident Dog
Join Date: Mar 2005
Posts: 15,214
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Re: The Happy Thought Thread Part 4
Congratulations that must be a relief.
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24-06-2013, 13:40
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#6739
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Guest
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Re: The Happy Thought Thread Part 4
Quote:
Originally Posted by SnoopZ
Congratulations that must be a relief. |
sure is mate
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24-06-2013, 13:45
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#6740
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R.I.P.
Join Date: Jun 2003
Location: Near Sandy Heath transmitter
Services: BT
Posts: 19,325
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Re: The Happy Thought Thread Part 4
Quote:
Originally Posted by tizmeinnit
IVA has been accepted |
excellent :-)
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24-06-2013, 13:49
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#6741
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NUTS !!
Join Date: Apr 2006
Posts: 5,252
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Re: The Happy Thought Thread Part 4
Quote:
Originally Posted by tizmeinnit
IVA has been accepted |
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.
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Oh what fun it is
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24-06-2013, 14:13
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#6742
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Guest
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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
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25-06-2013, 07:17
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#6743
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Still alive and fighting
Join Date: Jun 2007
Location: In the land of beyond and beyond.
Services: XL BB, 3 360 boxes , XL TV.
Posts: 56,657
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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.
__________________
“The only lesson you can learn from history is that it repeats itself”
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25-06-2013, 07:59
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#6744
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To err is human
Join Date: May 2006
Location: Cornwall
Age: 82
Services: yearly MOT
Posts: 7,451
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Re: The Happy Thought Thread Part 4
Quote:
Originally Posted by denphone
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. |
Hope you have a fabulous time Den!
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25-06-2013, 08:03
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#6745
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R.I.P.
Join Date: Jun 2003
Location: Near Sandy Heath transmitter
Services: BT
Posts: 19,325
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Re: The Happy Thought Thread Part 4
Quote:
Originally Posted by denphone
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. |
sounds like fun 
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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25-06-2013, 08:47
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#6746
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Still alive and fighting
Join Date: Jun 2007
Location: In the land of beyond and beyond.
Services: XL BB, 3 360 boxes , XL TV.
Posts: 56,657
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Re: The Happy Thought Thread Part 4
Quote:
Originally Posted by dilligaf1701
sounds like fun
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. |
l bet you will be very dapper trying on your new dresses dilli. 
__________________
“The only lesson you can learn from history is that it repeats itself”
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25-06-2013, 08:50
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#6747
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R.I.P.
Join Date: Jun 2003
Location: Near Sandy Heath transmitter
Services: BT
Posts: 19,325
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Re: The Happy Thought Thread Part 4
It's not the first time I've been caught in a dress 
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25-06-2013, 17:53
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#6748
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R.I.P.
Join Date: Jun 2003
Location: Near Sandy Heath transmitter
Services: BT
Posts: 19,325
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Re: The Happy Thought Thread Part 4
Having done the housework - trying to burn my first playable Blu-ray
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25-06-2013, 17:56
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#6749
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Guest
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Re: The Happy Thought Thread Part 4
Quote:
Originally Posted by dilligaf1701
Having done the housework - trying to burn my first playable Blu-ray |
Ive had success with dvdfab and imgburn writing them
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25-06-2013, 17:59
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#6750
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R.I.P.
Join Date: Jun 2003
Location: Near Sandy Heath transmitter
Services: BT
Posts: 19,325
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Re: The Happy Thought Thread Part 4
Quote:
Originally Posted by tizmeinnit
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
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