So I knew it was too good to be true...apparently Hanover are now contacting me saying that I may need a final review where they want my last 3 months proof of income and last 3 months full bank statements. If my creditors have agreed to settle for £3,500 and my parents have already paid them this money, how can they now go back on it and say that I still owe them more money? Or why do they need to do this review?
I have only been earning a part-time wage (so alot less than what I had originally earned when I was last reviewed and was paying £100 a month). My worry is that they put into breach of my account before my offer was made when they saw my statement for one month and told me I was in breach for spending on things like the lottery etc. I didnt realise this (stupid I know but my mental health isnt and hasnt been great the last few months, hence why I needed this thing over with because I've not had the best judgment).
If I send them these statements and I have spent on things I shouldnt could they now stop the IVA fully ending and demand that I pay back the creditors the total amount, even though I am only earning just over £1,000 a month and my outgoings are close to this? (I was earning £1,800 then). My mum also put money into my account at various points as I was having breakdown after breakdown over the phone from having no money. But they will see this now wont they
Really panicking again now....my parents paid this off so my mental health wouldnt deteriorate any further and this is now sending me back into a tailspin where my finances are concerned
I don’t have any PPI owing to me so am hoping I get my completion certificate ASAP. Is it likely to take 6-8 weeks to get?