it was fine when the children were at primary school, but there really should be some variation on expenditure for older children. Secondary school uniforms are notoriously expensive. I have only bought new shirts, jumpers and shoes this year. I think i will replace other things throughout the year

what would you suggest then as a sensible f&f

yes, in my case, my fathers bank statements etc. The money is also in a savings account so we are just going to photocopy the pass book. It's just so they have proof that the money is actually there.

can a person in an iva be treasurer for a voluntary organisation where the income is less than £500?

we have been asked to provide evidence as to why a f&f would benefit the creditors (ie health problems may prevent us completing iva at present rate) Also bank statements, photocopy of driving licence, and utility bill. hope this helps. Best of luck with your proposal!

i assumed that the windfall had to be paid in anyway, and would not in any way affect the amount to be paid to creditors unless it brought the total paid to over 100% (which it won't).

its only in my wife's name. does this mean that only half of the inheritance will have to be paid to our iva, as the iva is a joint one

no more money. But surely if we don't have to pay for the iva any more, we can save towards this inheritance and bring an end to the whole situation.
can the loan be included now.
i doubt it

yes thats right

I am a year into my iva and have started getting phone calls from one of my creditors demanding money. I explained I was in an IVA. She accepted this and said she would make a note on my account and I shouldn't get any more phone calls. Watch this space

IP says that because we would be paying 33K into our IVA, the sensible amount for the f&f is 27k. Also have to produce doctor's statement to reinforce this offer (which I believe costs £60). She says creditors will still be needing the inheritance when the house is sold.

and what happens if the house sells for less

Melanie, what do you mean by this.
Have to say that I still see the brother-in-law loan as an undisclosed unsecured creditor in the IVA.
inheritance approx £11K
father will give us 27k to pay off debts
Ip thinks they will accept this, but still need the 11K when the house is sold

she says if we don't pay this in the IVA will fail. Would she have found out about the money if we hadn't said anything. Feel really down.

definitely no more money available. IP didn't think there was anything she could do. Should I ask her to look into it more. What are the legal implications.