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recovering

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Post by recovering » Thu Apr 23, 2015 5:51 pm
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Hi all
anyone from PJG/CREDITFIX completed a I&E? I am a little confused
do I use the figures that were okayed by PJG? or do I use the stepchange figures? form is totally different
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relieved33

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Post by relieved33 » Thu Apr 23, 2015 6:19 pm
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I would image you use the actual figures. If someone agreed extra above guidelines, it should be in the file.
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Foggy

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Post by Foggy » Thu Apr 23, 2015 6:31 pm
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Your base line are the figures agreed when the IVA started --- any changes in actual expenditure should be based on those.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
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recovering

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Post by recovering » Thu Apr 23, 2015 6:39 pm
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The forms are so different I have just put my PJG things then used stepchange for the rest
I never knew we had a pub or alcohol allowance? how much do I put for that?[:)]
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Lisa Thomas

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Post by Lisa Thomas » Fri Apr 24, 2015 12:19 pm
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I'm surprised that it listed as an allowable expense as I would challenge it!
I'm a licensed IP with 16+ yrs at Neville & Co covering the South West area. I have a YouTube channel with advisory videos on here: https://www.youtube.com/channel/UCMPTTu ... Z5k9ZcC2MA http://www.nevilleco.co.uk 01752 786800 Lisa@nevilleco.co.uk
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lifenoteasy

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Post by lifenoteasy » Fri Apr 24, 2015 12:23 pm
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There has been one example where they disagreed with what was claimed for one allowance, reduced it and then balanced it out by allowing for smoking.
IVA started March 2011, Completed March 2016 and certificate issued 11 days after final payment. It was not always easy but then some of the best decisions aren't.
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ridingthestorm

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Post by ridingthestorm » Sat Apr 25, 2015 12:22 pm
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My first review with CF was all done and dusted within about 4 days with no changes :-)

I just copied my PJG I&E across to the new CF I&E and then added extras boxes for allowances which were not on the CF I&E but were on the original PJG.

Make sure you use all your allowances tho

Good luck
Loved Money, Hate Credit, Road to Recovery.... IVA started 3/3/14 -- IVA F&F accepted 18/5/17 :D
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recovering

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Post by recovering » Sat Apr 25, 2015 6:17 pm
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I Have filled it in[:I]I added my membership to a trade body as I needed it through my work transfer last year ( legal advice)so fingers crossed[xx(] not sure why I am so nervous
I think it's because I'm not sure the people I have spoken to so far have understood how mine works
I have made uplifts various months but have only had acknowledgements and not confirmation they are correct as PJG used to!
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