I am in a IVA, some of the bills were in the IVA but I am already paying the arrears within the Income and Expenditure monthly payments. the surplus is around £140.00. Do they ask for mortgage statements when reviewing your case ? Also we seem to not have enough in our monthly budget for food, they ...

I have just come out of a fixed rate mortgage and my payment has been reduced by a little. I was going to use the surplus to payoff utility bills. is this allowed or do i have to declare the slightest amount of extra cash. also My car will be due a clutch in the near future, how are we supposed to s...