Annual Review
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Well that was a lot easier than I expected :eek:
Supplied a new I&E, new income is £76 a month higher due to tax codes increases and tax credit increases now there's no overpayment.
Although people in IVA's have said their companies refused any form of increase in expenditure I did increase my dual fuel, council tax and water rates all backed by the bills. I also increased my car breakdown, car insurance and groceries as well as adding a new expenditure for my son's train pass for college.
All the increase were fairly small amounts with £25 for groceries being the biggest increase but it meant I now had a surplus income of £1.76 a month :rotfl:
Sent all the information via email and a couple of hours later got the reply 'thanks all agreed, no increase in your IVA payment is required'.
No questions or arguments, was expecting something much more so feel a little deflated now
Supplied a new I&E, new income is £76 a month higher due to tax codes increases and tax credit increases now there's no overpayment.
Although people in IVA's have said their companies refused any form of increase in expenditure I did increase my dual fuel, council tax and water rates all backed by the bills. I also increased my car breakdown, car insurance and groceries as well as adding a new expenditure for my son's train pass for college.
All the increase were fairly small amounts with £25 for groceries being the biggest increase but it meant I now had a surplus income of £1.76 a month :rotfl:
Sent all the information via email and a couple of hours later got the reply 'thanks all agreed, no increase in your IVA payment is required'.
No questions or arguments, was expecting something much more so feel a little deflated now
PPI Success :- Egg Card - £ 8471.84 ~ HFC Loan - £ 8312.67 ~ Halifax Loan - £ 334.67
DFD ~ Jan 2019 :eek: Christmas 2014 fund ~ £ 150 / £ 500
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Comments
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Well that was a lot easier than I expected :eek:
Supplied a new I&E, new income is £76 a month higher due to tax codes increases and tax credit increases now there's no overpayment.
Although people in IVA's have said their companies refused any form of increase in expenditure I did increase my dual fuel, council tax and water rates all backed by the bills. I also increased my car breakdown, car insurance and groceries as well as adding a new expenditure for my son's train pass for college.
All the increase were fairly small amounts with £25 for groceries being the biggest increase but it meant I now had a surplus income of £1.76 a month :rotfl:
Sent all the information via email and a couple of hours later got the reply 'thanks all agreed, no increase in your IVA payment is required'.
No questions or arguments, was expecting something much more so feel a little deflated now
Hi
Sounds like a very amicable & satisfactory outcome
Well done and best wishes:)
DC0 -
Hi DC
Was a most satisfactory outcome, was really expecting the IVA to want at least some of the income increase.
It's a nice feeling to think we've got at least another year bobbing along on a budget we're managing quite well on.
Better still having really learnt a lesson about finances I've actually been saving bits here and there, selling things on ebay, doing surveys and cash back so have £650 saved for christmas presents
Now that's a first for me!! :xmastree: :xmassmile
PPI Success :- Egg Card - £ 8471.84 ~ HFC Loan - £ 8312.67 ~ Halifax Loan - £ 334.67
DFD ~ Jan 2019 :eek: Christmas 2014 fund ~ £ 150 / £ 500
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