Good morning. Is it considered gambling if you play the lottery once a week? Just want to be sure. Thank you in advance.

Could you please tell me whether a pre-paid debit card is acceptable whilst in an IVA? It would be useful for paying for items on the internet sometimes.

<t>Good morning. The worst thing has happened - my boiler has broken down. A relative has offered to help buy me a new one and will transfer money into my account to do so. Is this allowed when in an IVA? Should I ask my IP for permission before I accept their very kind offer? Thank you in advance f...

Good afternoon. I have a small amount for pet care included in my expenditure allowances, do you think it would be allowed if I set up a direct debit for pet insurance out of this allowance to cover any future veterinary visits/procedures which are increasing every year?

Advice, please. I have just been informed by one of my creditors, Virgin Money, that they have transferred my account to Cabot Financial (Europe) Limited. So, I now owe them the outstanding balance on my account. What should I do about this, please and how will this affect my IVA.

<t>Re: Extra Income. I may have misled you in my previous question. The £41 is EXTRA income from my State Pension and one private pension. My question is 'why hasn't my IP increased my monthly payment to them'. And, am I allowed to now use this extra income as exenditure or should I save it in case ...

<t>Advice, please. I recently received an increase in my Pensions amounting to £41.00 per month. I told my IPP who asked me to undergo a four month review. I amended my income on my income/expenditure sheet to show this increase but I have just received a letter telling me that after reviewing my in...

I am on a State Pension and had completley forgotten that I will receive the annual payment at Christmas of £200 from the Government to help with fuel costs. Should I ask IP to reduce the gas/electric allowance by £16.00 per month now or wait til December and send them the full £200?

Good morning. Is it OK to order items of clothing, shoes, etc. off the internet from Amazon when in an IVA? Things do seem to be a little cheaper when ordered this way.

Regarding savings, again. If you put money in a jar for savings under the bed or wherever, at the completion of the IVA I understand you cannot then pay this money into a bank account because of money laundering laws. Is that correct, please.

Good morning. Do you know of anywhere I can save money for emergencies, etc. The companies I have looked at always do a Credit Check (even the Post Office) which would obviously preclude someone who has entered into an IVA. Thank you.

<t>Is anyone out ther paying an iva while on a State Pension. How do you work thoings out? I am completely confused - my pension is paid every 4 weeks but in order to work out the allowances and iva payment it is divided into 12 months and therefore the iva payment and allowances are more than I phy...

Does anyone know what items are included under the 'hobbies and entertainment' allowance?

<t>If I didn't pay for three months in order for the IVA to be failed by the IP, what are the consequences and what would my creditors do? I certainly don't want to be made bankruupt. Would I be able to go back to paying the bills every month. I guess my creditors would charge me extra to do this? M...

<t>Following my creditors meeting at which my IVA was approved, I have unfortunately signed the agreement. However, I feel that perhaps I wasn't given all the facts. I didn't realise until afterwards,when oking at sites on the internet, that I have to account for every 1p I have and will not have an...