Im just wondering regarding 500£ rule of credit and windfall, so do you not have to tell your IP if you win say 470 on a scratch card? and you dont have to mention borrowing 100 pounds from a loan or fam member?
Also what about gift money? so i have 3 kids and especiall at kitchen time, my mum and dad kindly transfer me money to help with xmas and bday presents as all my kids bdays are in December, days before xmas. So they like to help out. They also like to treat me and my partner and usually give us 300 for a weekend away each year. Does gifted money need to be notified?
Also every month my mum pays for me and my partner to have a Take Away each friday night and will transfer 20 pounds each week before lockdown she would gift us money to go on 'date nights' and family meals out, is this going to be an issue? She likes to treat us as we are on a low income and wants us to still be able to enjoy ourselves.
Do i need to explain all that or just explain it on the annual review?
Also why do some people have to give in there last 3 monthly bank statements as an annual review and some people just dont even do annual reviews? (ive read on here some people havent been contacted the whole time thru there iva only and contacted at the end to sign off) and some people have to do annual reviews and give there 12 months bank statements, pay slips of partner, utility bills etc.. how can it go from one extreme to another
ALso Im with the insolvency group (https://www.theinsolvencygroup.co.uk/
) has anyone been with these? how was your experience? Im only months into my IVA. Thank you for reading all this! Look forward to replies. Sorry i know its a lot! Lol