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Hi

Does anyone know what Accuma require for their annual review?

Should I be copying my payslips and printing bank statements each month or will just the last three payslips/statements before the review be fine.

What happens if someone lends you money - say £100 and puts the cash into your bank. Would this be classed as a windfall?

Thank you.

In my practice we ask clients to complete an income and expenditure summary form, and provide us with the last three wage slips or financial accounts if they are self-employed. Also for formal written confirmation that no windfalls have been received during the previous year.

If someone lends you money - I wonder for what reason though? - this would not be deemed to be a windfall.

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

For further details contact me at http://www.melaniegiles.com and view my IVA blog at: http://melaniegiles.blogs.iva.co.uk

Thanks Melanie. I am seem to have an awful lot of questions tonight!

If my mum, for example, were to lend me money it would be if I fell short one month, I would then pay it back the next month.

Yes - that would be absolutely fine. Definately not a windfall. And ask away your questions, I and the other experts are here to help.

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

For further details contact me at http://www.melaniegiles.com and view my IVA blog at: http://melaniegiles.blogs.iva.co.uk

Thank you. I must say you have been brilliant at answering all my questions the past few months. I really do appreciate it.

My pleasure - and so pleased with the outcome for you today.

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

For further details contact me at http://www.melaniegiles.com and view my IVA blog at: http://melaniegiles.blogs.iva.co.uk