Catalogue

[Natalieanne7]

Hi
I haven't posted for a long time. I think I may have done something stupid! I have a Next account that wasn't included in my IVA as the balance was zero at the time. I ordered clothes for Xmas for the children but paid it all off with my hubby's overtime the next month therefore clearing the balance. I have just ordered myself a suit to go to my aunts funeral as I have nothing formal to wear and I plan to pay for it as before as soon as the statement comes. It is £50. Will I get into trouble doing this? Would I be better off sending it back? The IVA Is just in my name and my 3rd review is in June. I don't want to get into trouble. Also is it ok to use a cheque book as the account was set up pre IVA.

[plasticdaft]

I dont think theres too much of an issue as long as the catalogue debt doesnt build into anything significant.

Cheque book should be fine as well.

Paul

[Shining]

Hi, If you're paying it off in full every month you're not taking credit and I'm sure it's fine. I doubt you'll get into trouble at all. I've always used a chequebook throughout the duration of my IVA and that was fine too.

[Natalieanne7]

Thank you. That makes me feel better.

[Kelly.23]

I also had a next account that i used to get the odd bit on if it was something that was not in our local store and i had to order online and my iva company were ok with it as long as like someone else said i did not start using it as a credit account if you know what i mean

[Skeef143]

I got a full "new" account before going onto my Debt Management plan pre IVA, and have always had a cheque book, not that I've used it much mind.

[MelanieGiles]

I would have no problem with this arrangement if uou were a client of mine Natalieanne, but it might be just as well to mention it to your IP just for the benefit of their file - and do make sure you pay off the balance before interest charges start accruing.