This is one that probably Declan of DFD can answer.
Since I have been in my IVA each year of my review I have been sent the ORIGINAL I & E form from the start of my IVA to compare with an up to date I & E, I have posted about this before with many people agreeing with me saying each review should be compared to the previous year.
Declan did post too saying DFD were looking at possibly changing this so that your new I & E will be compared to the previous year & not the original.
My question to Declan is has this process changed yet?
We'll keep this bumped up for you so that Declan can pick up on it. You could try emailing him directly via his contact details in his profile - might be quicker?
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
we have recently had a six month review which is totally different from the original figures put forward - (only 8 months into iva now).
Due to hubbys pay rise the funds are available for breakdown cover,allowance for food gone up,claiming for school meals,clothing allowance now above the cccs guidelines,contingency now available,pet food allowance,fuel allowance gone up etc.
We requested a copy of the new i and e as this is the one which will be used to look at yearly review.
All our figures will be based on the latest wage-not the original-that would be very unfair.
Last edited by andrea1968 on Sun May 08, 2011 2:21 pm, edited 1 time in total.
full and final accepted January 2015
iva agreed; August 2010
iva would have completed; August 2017
extra year thank's to NRAM
Yeah it does makje sense to compare you I & E form to the most recent one so dont understand why DFD do this, I wonder if any of the other IP's do this?
I hope that they will change their policy on this - as the longer the IVA runs for the less sensible it is to compare to the original figures. Most expenditure will increase on an annual basis - as well as salary.
My I n E was sent and it was the original to compare with and im into year 5 now ! seems abit bizarre especially in todays current climate and how things have risen in price x
Our I & E forms have always been on the original figures. We haven't been sent one for this year yet, even though the annivesary was 10 days ago. We have just entered year 6, I've just sent a copy of last year's form with an extra column for this year's figures.
We always kept a copy of the forms as it has seemed odd that the original form is sent out even though there have been clear changes through the years.
DFD should change this.
It's been a long road getting from there to here but it's been worth it!
I'm with DFD too and that has always bothered me about them when they send originally completed I&E to compare with current one. It just does not make sense. I fed this back to DFD a couple of years ago on their online customer satisfaction survey and I even go an online response from DFD team to say that they were hoping to change this process in the future. Guess they are still working on this!!
Last payment made on 1st Nov 2011. Happy to be debt free!
I have set up an excel sheet as i too am with DFD, this helps me have a good idea on how things are either reducing (not often) or increasing, i'm one of the public sector workers who haven't had a pay increase this year, so hopefully this will be reflected in my annual review in a month or so's time, especially as there has been a substantial increase in the cost of living.
Om shanti, namesté, good luck to all who are embarking on the IVA journey, it isn't always an easy one but the outcome is the best.
IVA COMPLETED August 2012, received Completion certificate 18.4.13.