However .... you clearly knew at the outset that the expenditure listed was fabricated somewhat and therefore they may say you had the option of not signing your proposal or agreeing to your iva at the chairman report stage.
I am not sure you will gain anything in making a complaint.
You say you have now "sorted" your debts - can I ask how ?
Have you paid your debts in full to your creditors or via your iva company?
Have you received a completion certificate ?
Sorry for all the questions but would need some more clarity.
Your iva will remain on file for 6 years from its start date and therefore will show up on credit reports.
Sometimes things are claimed for, not because we do spend it, but because we might have to spend it! For instance, when we went into our IVA's we were both working at different ends of town and had one car. This meant that one of us might have had to use the bus, although we didn't use it regularly we accounted for bus fares in our I&E, because we needed the money to be there in case we needed the bus. We claimed £56 but the creditors halved it at the meeting to £28 --- we were claiming for something we might have to spend, but might not, so the creditors compromised ---- nothing illegal or untoward, simply common sense forward planning.
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