One of the things that has become clear from reading the posts on here is that if and when I do propose an IVA I will be very clear about including my actual expenditure on there, rather than tweaking figures in an attempt to get it accepted. I don't condone what the person described in this posting has done, especially not the bragging part, but do wonder whether there is more of this kind of thing going on than perhaps we realise and how much of it is related to people not being realistic with themselves to start with about what they can afford to live on for 5 years?
Can I check with the experts who it is that has the final say with the income / expenditure put forward - the client, the IP or the creditors? Do they get changed often?
I accept your point that where the income and expenditure account has been squeezed it could force some clients to not declare things just to try and survive. However, if your income and expenditure account has been properly drafted it should be affordable but ultimately it is your decision. Creditors can try and increase contributions by disallowing or reducing expenses but you do not have to accept these increases if they are not affordable.
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