I am due to fill in my annual expenditure form , my denplan fee is £36 per month however the maximum allowed is £14 for dental care, can I put the £36 in the form ?
You might get away with it if your IP is feeling generous, but you may find they (IMHO quite rightly) say that you're already paying for dental care via your National Insurance contributions, so Denplan is an unnecessary luxury.
Mind you, I suppose you could "take up smoking" and ask for that allowance to offset it*
My Denplan is £29 and they accepted it with no question. They even accepted that figure in my arguement for reduced disposable income. These days N.I contributions go nowhere near paying for dental care.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
I would put it down and see what happens - but NHS dental treatment is good enough these days - I agree this may be classed as a luxury ...be interested to see what happens
Sharing from experiences of dealing with debt
There is a solution for everyone .... Just need to stay positive !
I claim the £28 pcm allowance (2 adults and 1 child in our household), and we are fortunate enough to have no major issues with our teeth. This covers 2 visits to the dentist per Year, (including 6-monthly hygienist appointments for the adults), so I can understand why an IVA company may be hesitant to authorise much more than that.
If however, you require some form of ongoing dental treatment, over and above basic check-ups, and these plans (great idea by the way), help ease the cash-flow, then surely your IVA firm should allow it. If your IVA company disputes this, you should argue your case as appropriate.
My opinions are just that: Based on my experience and being a self-employed IVA customer.
I would also add that not everybody can get NHS treatment. I still visit my old dentist 135 miles away when I visit family as I cannot get NHS treatment where I live.
If you enter an IVA with a Denplan already set up I think they should allow it where possible.
Have a go like others says, if you don't ask you won't get and the worst they can do is say NO. I have just found a NHS dentist I am able to go for a check up to.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
Kazza is right, not everyone can get NHS dental treatment. I do have an NHS dentist but I'm not convinced I get the same level of treatment as I would if I was private as I'm never in there long!
I prefer my national health one if I'm honest he's so nice and I only go because I went with oldest daughter and watched her have treatment. Appears to genuinely care about us nervous patients.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
