Hi all some advice needs me and my partner have getting back to whither already got 1 child other one on the way so have decided to give it another ago just put her on council tax and rent agreements etc
What do I do now? My partner is on stat leave no benefits we don't like them so what happens will my Iva company ask for her statements cause she has her own bills also what would happen with rent? I pay it all but that's cause am
Working
thanks lisa, am just worried we have another baby on the way and are struggling at the moment this is our current i&e
income-2152
rent 443
insurance 10.49
council tax 110
gas and eletric 120
food 400
sky 39
phone 39
gym 9.99
Partners loan 257
insurance 6.99
life insurance 40
phone 55
petrol and car insurance 150
pay back to child benefit 50
comes to 1730
i currently pay 224 into iva 1954 -
leave us with 197
but nothing for essentials like clothes haircuts etc
is there any chance they might lower payments?
Sorry Jamie, but for your current circumstances that I&E looks pretty healthy ! £197 left over ... many of us have nothing left over. I am surprised they allowed gym membership and life insurance to continue, to be honest.
Obviously things are going to change and new baby is going to cost a bit --- but I would say you have a generous IP, so should be OK.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
Different IPs approach I&Es in different ways and much will depend upon who your IP is. Your best bet is to have a full and frank chat with him / her. As Lisa said the I&E will need revising as your expenses are going to go up. If you are going to ask for an allowance to cover her bills and repayments they will need to see evidence of the figures quoted.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
I agree with Foggy - £40 for SKY, £10 for gym and over £100 just for telephones are items that I would think the creditors, or IP would challenge.
If you are struggling when you appear to have a surplus of c£200 per month then I suspect your figures are wrong or you are spending on non necessary items that you haven't listed.
Your partner doesn't have to be included in the IVA but the IP will just assume you pay for 50% of the monthly expenditure if you don't/can't prove otherwise.
