www.iva.co.uk

Hi would like to hear from anybody who has their IVA with the cccsva.
We would like to know what you will have to provide for a year 1 review.
We provide all our wage slips on a monthly basis, so just making sure we know what we will have to get together!
Thanks
Baldy

Hi baldy, I'm with CCSVA and have just completed year 1. All they asked from me was my last three bank statements, my last three wage slips and my last p60 as well as an updated I&E.

It all went well for me, very little change in my monthly payment despite a relatively large increase in pay. I made sure I had receipts ready if they wanted anything to confirm any increases on my I&E and sent in my updated utility bills, but they weren't required in the end.

Hope that helps.

Hi baldy i filled out a income and expenditure form out every year,and sent it to my case officer with 3 months payslips mine and my partners and p60,s.that was it.Within 10 days i got a reply regarding my future payments which in my case did,nt change because my disposable income remained the same i was with payplan.

It does all vary from company to company but CCCS will tell you exactly what you are required to send in.

Hey thanks very much for that. Im well aware that every company asks for a different amount of things.I just thought its nice to know what will be coming up in the future than it makes things much more easier when it comes around!.
Baldy

I'd start getting your payslips and P60 ready and bank statements just in case.

I'd also start looking at your I&E as everything will have gone up. We used last years so I could remember what we had claimed for and then just put down what we spend now,

Hi Baldy, I'm with the CCCSVA at my second review. They did ask me at first year review for a mortgage
statement but haven't asked for it this year. All the other things stated by other posters is correct. I sent my Mortgage statement this year again anyway.

Hi Stiring,did you not have to give them a mortgage statement etc when you first applied?
Because i earn a different amount every month we send in our wage slips every month so they can clearly see whats being earned and then if there is any overpayment due we can make sure its paid within the 14 days.
As for the I&E we are keeping an eye on everything as the months go by so that its going to be easier to sort out when its due.

Funny eh, never have been this organised with the finances like whats going in and out and to be honest it does feel a bit strange but it also feels really good that i know exactly whats being spent etc.Hopefully a really good habit to get into for the future.Thanks everybody.

You are going the extra mile to keep your IP informed of your finances,your yearly review should be a walk in the park.your habits of spending do change post iva for the better.Your doing really well.

Thanks for that Mr Bluesky. You can only do your best i guess. Some times i feel the supervisor thinks we are being akward because im always asking her every month how she has worked out her figures and so far she's been wrong three times!!! so i really do like to be able to keep an eye on everything.
Have to take my hat off to you and everybody who has finnished their IVA.
How have you found it after your IVA had finnished?
Would you say you look upon credit in a different way?
Are things easier?
regards Baldy

Baldy, Yep I had to give the mortgage statement initially when my IVA was set up. The reason I sent it again this year is coz it's a huge chunk of my income and they need to see it's still going out.

Blimey i guess that makes sence. I never really thought about that! Our mortgage is quite a bit with a lot of years to go, but i guess they need to know your still paying it out.
Thanks
baldy[:D]

I`d have thought recent bank statements would quantify what your outgoings are as all direct debits are actually itemised on them, as are all debit card and cheque payments.

I've not sent my mortgage statement in since the set up of the IVA - never been asked for it.

yeah i think sending in your bank statements which will show most of the payments you make going out ie mortgage payments, insurances etc, shold be ok.

Once again its all about trust me thinks!!