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Chlo_

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Post by Chlo_ » Sat Mar 30, 2019 7:14 pm
Hello,

So I am with Payplan and started my IVA process in August 2018 so I am fast approaching my annual review. So far I have only heard from them once requesting payslips which I did immidatley and I got a letter back advising nothing more is owed.

I just wanted some further advise on this matter. I have a partner who now stays round quite often sometimes 5 times a weeks sometimes less. I discussed this with my local council and they advised that the best thing I could do was add him as residing at the address as he does stay quite often although he doesn't live here. Which essentially means that I no longer have single persons discount on council tax. I have a agreement with my partner that he is going to pay me the extra money towards the council tax that I will be paying now. I understand that you are supposed to tell payplan if someone moves in but do I let them know of this? Also do I let them know prior to my annual review or during? Obviously if there comes a time that he does move in then I'll be sure to tell payplan but at this time he works in a different town and doesn't drive so travel expenses are high. Which is why we are not moving him in anytime soon.

Anyone able to help with what the best thing is to do?

Foggy

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Post by Foggy » Sat Mar 30, 2019 8:26 pm
If he is consideed as living with you the assumption is that he will be paying half of the household expenses, so your allowances for this will go down and your IVA payment will go up accordingly. Payplan might pick up the loss of the single occupancy discount and question the arrangement. Payplan are one of the more intrusive firms when it comes to other household members.
It is a gamble as to how they might react.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
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Chlo_

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Post by Chlo_ » Sat Mar 30, 2019 8:32 pm
Thank you Foggy I was hoping you'd reply as I know that you are knowledgeable in this stuff after reading alot of your answers on questions. Would you suggest it's just best I email them with my circumstances now and see what they come back with?

Foggy

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Post by Foggy » Sat Mar 30, 2019 8:40 pm
I would suggest you state, quite firmly, that he does not reside there officially, nor does he contribute to household expenses, but will be making up the loss in the single occupancy discount so there will be no actual change in your income or expenditure.

As your living arrangements do not affect your finances to any great extent I feel that they are your business not Payplan's and, hopefully, they will leave it at that. But dealing with it now could avoid nasty surprises later on.

I bored my IP with all the boring details of my life and left it to him to discard whatever he didn't need to know !!
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
http://foggy.blogs.iva.co.uk

Chlo_

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Post by Chlo_ » Sat Mar 30, 2019 8:47 pm
Thank you so much foggy I am just pre typing the email now to send them. I am just wondering how I should write this email whether I should write it as a matter of fact of what is happening or end it with does this meet my terms of the IVA? Just unsure how to close of the email. Bit nervous of leaving it open for them to come back at me.

Foggy

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Post by Foggy » Sat Mar 30, 2019 8:52 pm
I would just leave it as a statement of fact --- don't give them the 'in' willingly !
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
http://foggy.blogs.iva.co.uk

Chlo_

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Post by Chlo_ » Sat Mar 30, 2019 8:57 pm
Its annoying that this is all coming about Saturday and now tomorrow they will be closed. A couple of sleepless nights ahead of me. Its the first time I have had to update anything or any new changes as such whilst being in my IVA and don't like the feeling that they could come back unsettled by this news. Fingers crossed it goes okay. Thank you again for your help.

dorothy245

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Post by dorothy245 » Sun Mar 31, 2019 3:54 am
I was in nearly the same position as you, my son stayed at his girlfriends most nights but I was paying full council tax and had him as still living with me as his girlfriend got single occupancy and I did not want to tell my son about my iva so I kept him on my coun cil tax and paid the full amount, I explained this to my ip and I just have to pay the difference between my single occupancy and double occupancy which was about £30 as an extra to my income and expenditure. hope you can understand this

dorothy245

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Post by dorothy245 » Sun Mar 31, 2019 4:03 am
ps to the above, this was agreed before my iva was accepted, as I was asked to change to single occupancy, but I told them I wanted to keep it the way it was because as I have said his girlfriend is on single occupancy, and if I asked him to go on hers I would have had to explain the reason why and I have not told him about my iva, I told them he gives me nothing towards any household bills but stays the odd nights just to make sure I am okay , which is true but he only has a cup of tea and toast for breakfast.

luluj

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Post by luluj » Sun Mar 31, 2019 4:58 am
You are not changing your circumstances in regards to your income and expenditure, as foggy says inform them but don't give them a way in.

Hopefully they will see it as no need for a review as their is no material gain, or loss, in anyway.
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