NO!..your IVA payments will have been agreed. Don't worry about a small fund as Melanie suggests. I'm doing the same - getting my car serviced and other bits and pieces before I enter into agreement anytime before Xmas!. Good luck!
No, you don't have to pay them over, that's your contingency fund for a while.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
It really depends on the amount that you have saved up to be frank. I would say that anything below £1,000 can be rightfully kept as a contingency fund, but more than that should be declared and paid over as cash at bank.
I wished I'd had more than a grand saved up at the beginnng!
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
