www.iva.co.uk

Hi
I haven't posted for a long time. I think I may have done something stupid! I have a Next account that wasn't included in my IVA as the balance was zero at the time. I ordered clothes for Xmas for the children but paid it all off with my hubby's overtime the next month therefore clearing the balance. I have just ordered myself a suit to go to my aunts funeral as I have nothing formal to wear and I plan to pay for it as before as soon as the statement comes. It is £50. Will I get into trouble doing this? Would I be better off sending it back? The IVA Is just in my name and my 3rd review is in June. I don't want to get into trouble. Also is it ok to use a cheque book as the account was set up pre IVA.

I dont think theres too much of an issue as long as the catalogue debt doesnt build into anything significant.

Cheque book should be fine as well.

Paul

Hi, If you're paying it off in full every month you're not taking credit and I'm sure it's fine. I doubt you'll get into trouble at all. I've always used a chequebook throughout the duration of my IVA and that was fine too.

Thank you. That makes me feel better.

I also had a next account that i used to get the odd bit on if it was something that was not in our local store and i had to order online and my iva company were ok with it as long as like someone else said i did not start using it as a credit account if you know what i mean

I got a full "new" account before going onto my Debt Management plan pre IVA, and have always had a cheque book, not that I've used it much mind.

I would have no problem with this arrangement if uou were a client of mine Natalieanne, but it might be just as well to mention it to your IP just for the benefit of their file - and do make sure you pay off the balance before interest charges start accruing.