i need your help!

[julie2008]

or what sort of figure do I need to offer?

[plasticdaft]

I think I would be sorely tempted to let the IVA fail and use the money to start a dmp(I am no expert).
£400 a month over even 48 months would have paid things off.(assuming interest was frozen).

[Emily]

I am curious about this.Let me get this right- Your IP would say you can afford an extra £100 as he can "see a surplus in your accounts" You know I never thought they would do that. If the original expenditure was agreed then you spent less and that means you can afford to pay more?????????

So that means all on IVA need to spent ever penny max so that you have no surplus...so it is prudent to show on you Bank Statement every month you have only 10 quid in the account to not warrant such a rise..madness?? Drop this IP is the above case is true.

You should have been on an DMP as you will now be paying more than you owned and that isn't what a IVA is about for a low debt like this.

[MelanieGiles]

Emily

Your last post is very confusing to follow. Could you clarify exactly what point you are making please.

[julie2008]

is it possible to switch to a DMP?
I really dont no what is the best way to go, my second job is only for another month so I need to do something whithin the month :-/

At the end of each month I am left with £55.23

[Emily]

Mel,
I am trying to fill in the gaps as why an IP ask for an increase in payment when the person says they can't afford it. - By looking at the Bank statements alone? I determine that this must be due to a surplus remaining every month and the IPs deems this 'extra money' as better going to creditors? Should IVA payment increase not due to increase in salary and not what is left every month as one is been prudent and saving?

As for Part two of this,other commentator have already mentioned, this might well be better served as an DMP case given how much would be paid out...

[MelanieGiles]

Thanks Emily - I now can understand your point, and of course you are absolutely correct. An IP needs to work on the basis of net disposable income and not salary increase, because the latter takes no account of increased expenditure.

I think that the case would have been better served as a DMP from the outset, but I am not sure it is good advice to now suggest that the poster fails their IVA and then reverts to a DMP. Perhaps a better option would be to continue to pay as much as possible to get the debts paid off quicker, and thus save on some costs.