Is this normal practice to skip over the I&E

[sam8]

Hi, I'll try to be brief, 45K Debt £400 a month joint IVA with partner on payment 38 of 60 no missed payments or variations.
For our first two reviews we had to provide past three months wage slips, bank statements and complete I&E statements, on both occasions this resulted in no increase to IVA payment. However for our last (third) review we were only asked for one bank statement and one wage slip each and no I&E details. The wording on the letter was 'in order to keep things simple'. I have now received another letter from our IP asking to increase payments by £40.
My questions are: Is this normal practice to skip over the I&E on the review as I feel I have not been able to demonstrate our expenditure correctly eg rises in petrol, gas food etc, or is our IP being a bit lazy? That said I did get a 5% pay increase last October (one month before review date) which does mean AT THIS MOMENT we can with a squeeze pay the extra £40. However come April, due to job changes I will be getting a pay cut of £100, rent will rise by 7% (20 quid) and council tax by around 4.5% (£5) so the extra £40 disposable has gone and we still have an extra £85 to find. I know these are small amounts of money but when you're in an IVA every last pound counts.
My second question is should the information above be included in our last review seen as it is a couple of months in the future? I was not going to bother the IP with the pay cut and inflationary rises and just find the money from somewhere else and keep paying the £400 but to ask for another £40 is going to tip us over the edge. Would it be reasonable to ask our IP to hold our current payment (not make an increase) for six months and review again when the changes have kicked in?
Thanks for listening, I welcome your advice, Sam

[MelanieGiles]

No it is not normal practice to skip over the income and expenditure - especially if you are going to ask a client to increase their contributions. And you do need to make yoru IP aware of the looming pay cut, which I anticipate will result in the £40 increase being removed.

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

To have me propose an IVA for you, please visit:
http://www.melaniegiles.com/ivaEnquiry.asp

See customer feedback at:
http://www.iva.com/iva_companies/IVA_Advice_Bureau.asp

[Adam Davies]

Hi
"in order to keep things simple",more like to keep costs down
There is no way that you should be asked for increased payments without a review of your income and expenditure.
Go back yo your IP and demand that they look at your I&E
Regards

Andy Davie
IVA.co.uk Spokesperson and Website Manager

About me:
http://www.iva.co.uk/andy_davie_profile.asp

IVA Helpline: 0800 197 4838
http://www.iva.co.uk/iva_helpline.asp

[sam8]

Hi
Thanks for the quick replies, very helpful. I did contact the IP today and after reviewing our situation, our payments are to remain the same, I feel much better now!
Sam