www.iva.co.uk

I'm in an IVA with Payplan with my review being discussed what are living allowance guidelines I am able to claim? We have submitted our annual budget but our IP changes the figures to suit and doesn't tell us only stating that she has guidelines.

Are they increasing your payments or just adjusting your income and expenditure to suit their guidelines ?

I've had caseworkers with payplan who have openly told me what their guidelines are, but no doubt they are not all singing from the same sheet.

Keep receipts of the disputed allowance to demonstrate your spending above their guidelines.

Remember these are individual agreements and no IVA will be the same, we can't all be capped to the same allowance figures.

Hi

It is not unusual to adjust expenditure figures to within guideline figures, you should however be made aware of these. Expenses can be made outside of guidelines but may need valid reasons for creditors to agree to

Regards

Payplan are funded by the creditors so while they may stay within guidelines for some things are they actually giving you things you are entitled to but not claimed? Check the guidelines.

The Payplan I&E form is very basic but after reading about additional expenditure that other firms allow I added the extra categories to my last review form, eg, school trips, newspapers, pet insurance etc - all costs that we had previously had to meet from other 'budgets'.

we got a quote from PP when first looking at iva option and didnt get informed of any allowances only completed I&E using our direct debits/bills. Payment plan was only £50 less what we were paying creditors. Thankfully found forum and realised what we were allowed. Ditched payplan because of this. Felt we would have failed before began. Hope you get allowances for everything youre entitled too.