Skippy
Don't you worry about making a false declaration - I would let Accuma deal with this if they knew you didn't pay for gas but still included the expenditure listing for it in your proposal.
If I had been presenting your IVA, I would have applied a percentage of your income ratio to the joint expenditure. You currently earn 70% of your household budget, as I note you partner's only income is £560 from drawings (I assume he is self-employed?). Is this correct?
If so, the you should be allocated as paying 70% of the shared household expenses, which I calulate at £970, therefore leaving you with a surplus of £315 to offer to your creditors. How much do you actually owe? It may be that £315 would not have made a minimum dividend, so monies are presently being "borrowed" from your partner. This is quite common, so long as he agreed to this at the time!
If you are paying £459, then your partner is supplementing your IVA payments to the tune of £144 per month, and I note that you have no contingency within the figures, which I always include as £50 and this appears to be acceptable to creditors.
It may be that Accuma presented your proposals in exactly the same way I would have (there is no right and wrong answer, I just find my way is fairer to all parties and widely acceptable to creditors), but that creditors sought an increase in payments on the day of the creditors' meeting. If this is the case then that is quite unfair on their part, as they are effectively asking your partner to pay more for debts to which he has no responsibility.
As you rightly have pointed out, you also made no allowance for car maintenance (I think £35 is reasonable), and this can be offset against the error with regard to gas expenditure, so I don't think that is now a problem.
Accuma are the experts with regard to your individual proposal. They will know the history, and will understand some of the decisions which were made in putting together your documents and accepting modifications at the creditors meeting. Try and speak directly to the IP or a Senior Manager to discuss your concerns, because on paper I can see why you are struggling.
In the event that this cannot be resolved, then you may wish to consider bankruptcy as an option, in which case none of your partner's income will be taken into consideration in calculating ongoing payments. My gut feeling in bankruptcy, is that you would be required to make payments of approximately £200 per month for three years, but this would ultimately be the decision of the Official Receiver.
Sleep well and tackle this head on tomorrow!
Regards, Melanie Giles, Insolvency Practitioner for over 20 years.
View my IVA blog at:
http://melaniegiles.blogs.iva.co.uk