Thank you for your replies.
Another question in that all things such as petrol, food, utilities bills, council tax, car insurance etc have all gone up in the last year by around 9% with petrol going up as much as 36% since Jan 2009!!! This will all be going up again in the coming year and more as come 1st Janury 2010, VAT incerease to 20%. Where do we stand on that with our IP's?
I would definitely do as Andy suggests and list all your income and expenditure as it is, keeping any receipts maybe if expenditure has increased a lot? I've never personally had to provide receipts but it may depend on your IP. x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
I've always put down what we spend and never had a problem getting it accepted.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk