www.iva.co.uk

I think i'v made a horrible mistake, our benefit went up by 40-00 per week in december and i did inform our ip although nothing has been sent over as we're waiting to hear from company as we had our first year review,i got confused and thought it was the 50/50 rule and i only put half the amount away and the rest has gone on extra costs visiting my son every day while he's under going treatment in hospital. Please someone advise me i'm feeling sick with worry about my son and the iva failing because bankruptsy isn't an option because of my job.

Hi

First of all family comes first.

Secondly putting half the money away should be fine.

Thirdly if there are increased costs with going to the hospital it could be argued that those are necessary costs and be taken into account by your company.

You haven't squandered the extra money,it has gone on legitimate expenses due to your sons hospitalisation(hope he is on the mend). Stand your ground but rest assured,case managers and ips are not heartless beasts,communication as always is key to the smooth running of your iva.

Paul

If your regular income increases, generally, your payments will only increase by 50% of the net rise, so you are OK. Many companies only take such increases into account from the date of the review following the rise, so, between the rise and the review, all of it should be yours --- check your paperwork.

Hope your son is ok

He's having immunoglobin infusion's as he suffers from lupus,he's putting a brave face on at the moment and i'm falling apart inside but i don't let him see that.Thankyou all for replying and sorry if i went on.

No need for apologies. I hope the infusions do the job.

Might I ask who you are with ?

I'm with Harrington Brookes Foggy

As others say health and family come first and just explain to HB what is happening and hopefully common sense will prevail.