Dear Ian,

Thank you very much for the advice. Where can I find a local IP to Bromley, is there a list on your site?

Regards
Kay

Dear Melanie, What I typed last night was a direct quote from the proposal document and also the direct quote from the last letter received. No where in the proposal document does it mention the figure £1,566 and draws my attention to clause 5.5. Clause 5 in the proposal document deals with my liabi...

Wording is as follows: 1.2 Annual Review I propose that my income and expenditure be review on an annual basis and the supervisor is to obtain an increase in voluntary contributions of not less than 50% of any surplus available monies over and above the original contribution as set out in Appendix 4...

I have an IVA and i understand that each year it will be reviewed and if my pay increases I will be asked to increase the premium paid into the IVA. I am also being asked to pay 50% of any bonus, overtime or other windfall monies that I pay tax on into the account, which extra money is to be paid in...