Thanks foggy,
You win some you lose some I suppose

Thanks foggy found it and it isn’t literate for me lol. It reads “excluded assets” are those assets that are excluded from an estate in bankruptcy and any other assets identified in the proposal as being excluded from the arrangement; “after acquired assets” means any asset, windfall or inheritance ...

I was fearing that.

I can’t find anything in my paperwork in regards to windfalls etc. Maybe I’m not looking hard enough

<t>I have applied for marriage tax allowance to be honest I have been married 5 years and never heard of it.<br/> I have received a letter from HMRC stating I have overpaid tax to the sum of £902 since getting married and the calculations have been sent to tax rebate limited. <br/> I have only been ...

I have expenses in my wages every month as I work away 2 nights a week. As they appear on my payslip after my tax deductions my IP doesn’t count it as additional income and doesn’t affect additional payments when I do earn normal overtime etc.

Thanks foggy, there is always a slight risk of it being turned down, my payments have just been reduced from £277 a month to £160 (due to a massive child tax credit reduction) so from an original debt of £11,900 in total not taking in to account the IP fees etc. I feel it would be a fair conclusion ...

<t>A question regarding a potential F&F offer in February.<br/> My dad wants to take out a personal loan and use it to offer a F&F to my IP. <br/> I am currently paying £160 a month and as of February 2020 I will have 36 months to run.<br/> For those of you with more experience Would an offe...

My sons DLA is not included as income in my IVA

I upgraded last month, no issues. Should be fine

I hope it all goes smoothly :) I found all the stress and worry was for nothing, I had a decision today all is staying the same can’t believe I had a reply so quick. So try not to worry about it (easier said than done :( ) I don’t feel they go through bank statements that thoroughly as giddy said th...

I’m with Bennett Jones. They have been great so far whenever I have a question I always seem to speak to the same member of staff and they email back almost instantly. I asked when I would get a decision and she said she will be doing mine within next 10 days or so. I don’t mind this seeing as my IV...

<t>Had my annual review email today asking for 3 months of bank statements and payslips. I asked for the I&E form and apparently they no longer use them and they base everything on guidelines agreed at beginning of IVA. Any changes have to be stated along with the bank statements etc. <br/> I kn...

Thanks foggy. That is what I thought it would be. Otherwise the nights away from the family are far less appealing. I will bring this up with my IP closer to the time as my annual review is due in February so I do t want wires to be crossed before then.
Thanks again

<t>Hi all,<br/> <br/> I’m a HGV lorry driver and I have just been offered 2 nights out a week commencing in January.<br/> My firm pays £40 a night out overnight allowance. £25 of this tax free. It’s to cover meals etc whilst on the road. My company decide the beat way to pay this is in with my wages...

My 1st review is a few weeks away. I’m with Bennett jones. I had the exact same query so I called them and they said they would go on guidelines. I also asked about the transferring of money between myself and my wife as she is solvent but her income is included in my IVA and we often send eachother...