Fingers crossed everything works out for you. Glad the experts have been able to help.

Glad to hear you are one step closer to debt freedom. The next few months waiting for your certificate will hopefully go quickly. Well done!

That's great news and what a start for 2022. Onwards and upwards now

Great news... now you can see the light at the end of the tunnel. We are here to support you

Positive thoughts for you tomorrow. I'm hopeful you will be celebrating

Your IP should work with you if necessary to consider best steps if initial proposal not accepted. There are options including a new/amended proposal; bankruptcy is last option.

I echo Foggys advice and would suspect you will be okay due to the volume of cases they deal with but I wouldn't advocate lying again in the future. Honesty really is your best policy and it may come back to bite.

You would be best guided by your husbands IP on this as this is very "individual" and not something that is dealt with on a regular basis on the forum.

Sorry cannot be more specific

Totally agree Kallis.

Whilst it would be easier to say tough I've tried but had no response, I would continue to push for a response and make regular contact and keep full records of all. Don't let anything at this late stage jeopardise your iva completion.

Mel865 - you have every right to contact your IP direct and they cannot stop you from doing so. As per my post emailing, writing, phoning and logging all attempts to contact will provide you with evidence of attempting to inform and work with. Hoping by now the OP has got a resolution and their iva ...

Payplan are widely used by forum members and like all providers you need to work with them, keep them informed of changes and comply to the iva conditions once approved.

An iva is not an easy solution, but done right, is life changing and provides you with a fresh start in life.

I would work with your IP to review following your change in circumstances. I wouldn't try to "hide" anything- being upfront and honest with what has happened in the last few months and how you have dealt with it should in my opinion demonstrate resilience and ability to manage. If you have borrowed...

Great start to the new year ! Onwards and upwards now x

I would ask that they consider the known increases in utility bills and national insurance etc during this review, otherwise, those will kick in and you will struggle early on during this year.

So that's the first first review behind you then. 20% completed - onwards to year 2 and ever nearing debt freedom.

I would suggest your car is of little interest to them at that value ... you need your car to get from A to B so be ready to demonstrate this should you be asked, but I would have expected it to have been raised already with you in early discussions