www.iva.co.uk

I rang the IP the other day on another matter and got a different person, she commented on our shopping allowance being a lot higher than normal. I did explain we have to buy formula, nappies and wipes for 2 children and she said "oh, that's OK then".

I have no idea how the creditor meetings run(ours is in 2 weeks)...is it possible that a creditor could question how much we spend on shopping and try and get a higher monthly payment out of us.

I guess I am concerned that another IP/representative who isn't fully familiar with our case could go along and agree with the creditors that the amount is too high!

Would we be likely to be phone up to explain the figure (we have been told to be on standby all day) or would they haggle something out between themselves..I just don't know how it all works!

Maybe I am just having a bit of a panic attack over nothing but it did take me back me when she said that.

It's down to your IP to fight this point for you on the day, and no-one who is notn familiar with your case ought to be handling your file at this critical time.

what is your level of debt and your proposed payments per month to be?
the experts could give you some reasuring advise have you an equity clause?

i am sure you will be ok and i wish you luck the waiting is a nightmare but when you get accepted the relief is awesome[:D]

I would say do not let them bully you into paying more if you can not afford it, we were asked to pay another £20.00 a month for creditors to accept. We said we could not afford anymore, other alternative would be banckruptcy, so they all agreed the following day.

I agree with Hillsy - please don't agree to pay more than you can comfortably afford. 5 years is a long time on a budget anyway, and if it's too tight it will be unbearable.

Good luck with your meeting x