Once you have had a F&F accepted and you have paid the agreed offer amount, do you have to stick to your agreed expenditure list until the completion certificate comes through?
No you don't. Your credit record will still be shot for 6 years though.
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
Expenditure - wise you are free to do as you wish. Until you get that formal completion you are still bound by the IVA and, although your IP will have no further interest in regular payments or extra earned income, they may still look to you to pay in windfalls or inheritances in the meantime.
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
