Thanks David, that's good advice - the child tax credit is already included in my husband's income figure so should I just split it? i.e. Wages =x and tax credit =y total income =z? I must say that I have not heard from my IP since the deal was done so this will be the test of the service!

[:D] thanks Ray, I was really worried about this as our utilities bill is certainly a lot higher than the 'allowance' of £88.00 per month they have given us and we have been juggling other things to make it work - surely they should base your payment on actual outgoings - we were given figures at th...

I have just received the annual reveiw for my IVA and am concerned about how to complete it - When Baines and Ernst signed us up we were told what expediture was acceptable, and this bears no relation to what the actual cost of living is - do I just leave it as it is or do I put in the actual figure...