Sarah wrote:Now I am starting to wonder....
If you go into an IVA and then get married then your circumstances will change and your surplus would increase as you would not be paying all the bills. His "mansion" is not yours and therefore totally outside the equation and would not be considered.
His credit rating would only be impacted on if he took out joint debt with you - which you would obviously avoid if you did not want him to find out!! However, your IVA would be visible on the insolvency register whilst it was in place and both are going to affect your credit rating.
All these questions and more your case officer can answer. I am intrigued as to why your surplus is so much smaller with Payplan than CCCS - they should both be what your affordable surplus is. I am also interested to find out why CCCS have not thought it suitable to offer an IVA?
Hi ccs. Was the computer generated answer so I will give them a ring and ask them whether a iva would be suitable. Regarding the difference in surplus the payplan man said that my food allowances I had put down was small and I should increase it to a more realistic amount for two people also he wanted a bit of contingency in there. I will let u nkow what ccs say when I speak to them . Thanks again