www.iva.co.uk

My monthly bills/ outgoings are more than payplan allows you to have. Their monthly allowances for certain items is unrealistic - making my monthly surplus more than it actually is! I have worked out how much I can pay but I know they will refuse to except this. Is there anything I can do, other than to make them my monthly increase offer and tell them it's all I'm willing to pay each month (can I do this?)

thanks

Hi Claire.23

Your utility bills are what you pay, can you tell us what bills payplan are not allowing you the full amount for?

What other allowances are they saying that are too high?

How many adults and children are in your home?

have you told them yet?
I have found they are fine if you tell them and maybe send in some of the bills to back it up.

Hi Claire welcome to the forum

You cant just tell them what you are going to pay but any good company should look to amend your payments if they have been set incorrectly. They should be able to amend your payments by up to 15% without formally going to your creditors. There are representatives on here from Payplan so maybe they can come on and assist you with this as you shouldn't be penalised if your actual fixed bills are higher then they have allowed for. Let us know how you get on.

Hi Claire.23,

Welcome to the forum. Thank you for taking the time to raise your queries.

As others have said it is always best to communicate any issues that you may be experiencing with your Case Officer (be that budgeting queries or anything else).
Your Case Officer will be able to assist you or seek further advice from the Insolvency Practitioner if required.
We will always do our utmost to ensure your IVA runs as smoothly as possible for you.

If you require anything further you can e-mail me directly and I will look at it in further details for you. (samuel.jepson@payplan.com)

We had the same problem with GT at our last I&E review, they reduced the amounts we had put down and said they were governed by the CCCS guidelines on expenditure and their was nothing they could do to change them, they also amended our income figures....

I found GT to be very flexible and understanding over my I&E. I guess, as with, it seems, many firms, the outcome depends very much on who you are speaking to, as, unlike the more "hands on" firms the IP probably never sees the case anyway !

Is it possible to fudge the figures? Where your over, reduce them and add the difference to figures you're lower on? I know CCCS done this on our original budget so don't see why PayPlan can't do the same.