There is no problem in you changing your proposal right up until the creditors meeting - I suggest that you ask to speak directly to the IP at Accuma to discuss this further, and this need not extend the meeting date further - you are perfectly entitled to put forward a debtor's modification at the meetin.
It is better to get it right now, than suffer in silence for the next 5 years. Also you were right to be told to cancel the loan repayment to your father.
And can I just make a general point here - the expenditure all of you disclose in your IVA proposal should be the amount of money you actually spend and which can be justified, not the figures your IP tells you to put down. This is a recipe for IVA failure and you will at some stage struggle to make the repayments.
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
