So I am due our I&E but recently I have got into gambling as we are struggling so much.
I have put this in my ‘comments’ section as I have had to include my bank statements into the I&E as it shows ‘tombola’ etc on the statements.
Can I block out the names of the transactions on the statements? And just leave the money showing in and out, or do I leave it and just confess what has happened?
If you block it out they will ask !! Better to be open. If it was just a panic, short term blip it may not cause any damage. If a longer term issue they might need to you demonstrate a period gambling free. Don't panic --- we have a few hardened gamblers on forum who managed to turn things around.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
OK -- so it hasn't really been long enough to flag up as a problem habit --- how much are the sums we are talking about ?
You have funded this from other expense allowances, so it isn't costing the creditors anything (in lost repayments). If we are looking at modest amounts I doubt they would be taken note of.
Again, if modest amounts, and on reflection, don't flag them up and hope your provider doesn't notice them --- if they do then you can explain it was a blip and you have cancelled the accounts.
If they do notice I imagine that the worst that will happen is that they will want to see statements for a few months to confirm no repeat.
But -- the key lays with the amounts involved.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
If you are not managing on the agreed I&E there is an issue .... either you are not accounting correctly for expenses or you are not managing to budget enough to be able to.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
