Bankruptcy v IVA

wookiemummy

Do we have to do this every year. Why do they need gas and electric statements when they can see we pay direct debits to them each month. Same with council tax and mortgage statements. My life insurance policy... I gave I direct debit so obviously I pay it!
Sorry, think I've hit a low point. I don't normally worry about stuff and should be greatful that we all have our health but I just hate being in this situation. Everything was manageable and then with cuts, cost of living rises and bloody virgin it went all downhill!!

FoggyBrain_2

You will have a review every year, to check you have been paying over a share of overtime etc. Ip's differ, but mine wants the years pay slips, three month bank statements and any evidence of increased expenditure ... ie.. if your electricity bill is the same he doesn't want to know, if it has gone up a lot, he needs copies of recent bills.