3 years ago i entered into a PIA in blind panic. i felt under enormous pressure, my ex having left me to deal with everything including 3 kids,had just been diagnosed with cancer and was in a mess.i took zero advice stupidly i signed up to it and everything was grand until recently.
my payments are now supposed to be 918 a month. i earn 3300, rent is 750 (due to go up to 900). i send my daughter 300 per month to help with uni and yes she does work but as shes a student nurse placements often prevent her working many hours.after bills i'm left with just over 220 per week for me and my 16 year old.
while it all looks ok on paper the reality is very different, i travel to my oncology appts which cost 30 -40 a time, i avoid the gp because its a waste of money, car tax, tyres, daughters dentist all had to be paid recently.
i pay every 2 weeks , 200 euro, to the PIA and have assured them i will continue to do this, i am really trying but they are insisting on 918, indicating i could loose the family home if i go bankrupt. the family home was lost 3 years ago!!! i could have went to the uk and done my year but chose to stay and face the music.my ex is in the uk and to my knowledge no one has looked for him.
i dont know how long i'll be well for, every day with my children, especially the youngest is precious but this stress is causing me so much anxiety.i would really like if someone could help me out.
i suppose my questions are;
does the fact that i am making an effort to pay carry any weight?it may not be what they are asking for but i'm not refusing to pay.
should i cut my losses and go bankrupt?
should i head over the water?
thank you everyone for reading this and bearing with me.
my payments are now supposed to be 918 a month. i earn 3300, rent is 750 (due to go up to 900). i send my daughter 300 per month to help with uni and yes she does work but as shes a student nurse placements often prevent her working many hours.after bills i'm left with just over 220 per week for me and my 16 year old.
while it all looks ok on paper the reality is very different, i travel to my oncology appts which cost 30 -40 a time, i avoid the gp because its a waste of money, car tax, tyres, daughters dentist all had to be paid recently.
i pay every 2 weeks , 200 euro, to the PIA and have assured them i will continue to do this, i am really trying but they are insisting on 918, indicating i could loose the family home if i go bankrupt. the family home was lost 3 years ago!!! i could have went to the uk and done my year but chose to stay and face the music.my ex is in the uk and to my knowledge no one has looked for him.
i dont know how long i'll be well for, every day with my children, especially the youngest is precious but this stress is causing me so much anxiety.i would really like if someone could help me out.
i suppose my questions are;
does the fact that i am making an effort to pay carry any weight?it may not be what they are asking for but i'm not refusing to pay.
should i cut my losses and go bankrupt?
should i head over the water?
thank you everyone for reading this and bearing with me.