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gavin

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Post by gavin » Sat Mar 08, 2008 1:16 pm
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hi to all me and the wife have bin in a iva 6 months i had a drop in my wages by £200+ from day 1 but with the help of family we are makeing the payments last month the wife got £30.00 ot do we have to pay 1/2 of thes in to the iva or does may drop cancel thes out [}:)]
Last edited by gavin on Mon Mar 10, 2008 12:29 pm, edited 1 time in total.
Empty pockets never held anyone back. Only empty heads and empty hearts can do that.
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Adam Davies

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Post by Adam Davies » Sat Mar 08, 2008 1:43 pm
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Hi
Your drop should cancel this out,if common sense prevails.Best to check with your IP
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Andam Davies
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gavin

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Post by gavin » Sat Mar 08, 2008 1:48 pm
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thats what i thought andy but the ip wants £16.50 0f the ot [:(]
Last edited by gavin on Sat Mar 08, 2008 1:51 pm, edited 1 time in total.
Empty pockets never held anyone back. Only empty heads and empty hearts can do that.
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Adam Davies

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Post by Adam Davies » Sat Mar 08, 2008 2:14 pm
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Hi
I had the following converastion with someone in my IPs office after they sent me a demand for about £200 after reviewing my payslips
Me 'Hi,have you got a copy of my last income/expenditure statement to hand ?'
Case worker 'I'll just go and get it'
Me 'Ok,can you read out my disposible income'
Case worker '£350'
Me 'and my monthly IVA payment is £450'
Case worker 'Oh yes,i see what you mean'
After this conversation they sent me a letter confirming that no money was due as any extra was used to bridge the gap.

This was a few years ago now and I posted about it on the forum at the time.

Go back and try and get some sense from them
Regards
Andam Davies
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gavin

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Post by gavin » Sat Mar 08, 2008 2:27 pm
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ok thanks
Empty pockets never held anyone back. Only empty heads and empty hearts can do that.
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carlmcmullen

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Post by carlmcmullen » Sat Mar 08, 2008 2:33 pm
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Is your IP aware of the drop in income you had, and that your family are helping you out ?
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gavin

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Post by gavin » Sat Mar 08, 2008 2:45 pm
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yes ther are just hade my quarterly review my says excess earned percent -37% NO ADDITIONAL CONTRIBUTIONS DUE wifes says excess earned percent +8% ADDITIONAL CONTRIBUTIONS DUE £16.50
Last edited by gavin on Sun Mar 09, 2008 9:10 am, edited 1 time in total.
Empty pockets never held anyone back. Only empty heads and empty hearts can do that.
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kah

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Post by kah » Sat Mar 08, 2008 5:28 pm
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My annual review (end of year 2) went quite well. I was allowed to keep my 2.5% pay increase because of increases to my mortgage and secured loan (end of fixed rate mortgage too).
I saw a message somewhere here saying that you can't increase your household budget or something. This is tricky surely with inflation and all.
Still I'm just about on course to get through year 3 I think.
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Adam Davies

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Post by Adam Davies » Sat Mar 08, 2008 5:36 pm
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Hi
You will be allowed to increase your household budget in line with inflation,no problem.Your annual payrise at work should cover this meaning that there should not be any change to your payments
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Andam Davies
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