Been discharged since April '07 and have been paying my IPA at £200 a month since Jan '07.
I've just paid out £200 for dental work (£55 hygienist and £125 for a filling) which has pretty much "broken my bank". Have been in severe pain all weekend and went to the dentist today who has told me that the only way that he can now fix this tooth is with a root canal filling - total cost another £340!
Now obviously I don't have £340 rattling around. I don't really want to borrow this from work or a friend as it'll mean I have a debt hanging over my head and a few months of struggling to repay it. So a thought I've had is whether I could ask Clarke Wilmott to give me a two month payment holiday (£400) in order that I can pay for it.
Do you think this is a reasonable request? Also - if I were to do this, would it mean flagging up my account with them? To be totally honest, since setting up my repayments I've had two small pay raises - but I guess my bills have also gone up - but I'm probably slightly better off than I was when I set up my arrangement - although my IPA agreement is one that falls into the grey area of only having to inform them of changes to income "until discharge from bankruptcy" so I've erred on the side of never telling them of any changes. So by asking for a payment holiday - will I be putting myself in a position of having to send bank statements and an updated payment schedule thing?
Would appreciate some urgent feedback - need to figure out how I'm going to sort this tooth out other than finding a man with a pair of pliers!
** I DID IT **
Bankrupt : 03.11.2006
Discharged : 16.04.2007
Bankruptcy Period: 5 months 1 week 6 days