IVA's and Overtime.

MotoJoe

Hi All,

I've been in a IVA for almost 2nd a half years now and everything has been going smoothly so far.

Fortunately I've been able to get overtime at work most months to add additional money to our modest budget.

I have always followed the correct procedure and dutifully paid 50% of anything over the original 10% i'm allowed to keep.

This has resulted in me paying in over £12k instead of my original agreed £6k in the last 30 months. I agree with this, I understand that i'm required to pay back as much as i can.

My two annual reviews with my IP have basically been a phone call from them asking the single question "has anything changed?" to which i generally reply "no" and thats it.

Every month as i receive my payslip, I send an e-mail to my case worker , showing my income and asking her to confirm the amount owing is correct, i then pay promptly. Slowly but surely the return e-mails have stopped and I just pay the additional from my own calculations, not really being in contact with my IP at all.

My question is, if i accidentally forgot to pay in my additional 50% for a month, when would the IP know? Do they ask in the final month for a full submission of all payslips / bank statements etc? I know morally i have a responsibility to pay back as much as possible, but i feel the IP isn't interested as long as I keep surrendering my O/T monthly.

I'd just like to clarify, it's not my intention to miss an additional payment, but i'm just wondering what the consequences of doing so are? :eek:

Thanks

longtermplanner

If you send your caseworker an email each month, they will probably notice if one doesn't arrive!