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Annual Reviews & Changes in Circumstances

A condition of an IVA is that a review of affordability will be conducted each year. This will assess any changes in income and expenditure. We’ll need to verify the information so will request that you provide us with supporting documents. If your circumstances change before your anniversary we can review your payments at any time per your request

This job could be completed in the time it takes to order food from your favourite takeaway. To help you do this, here is a list of dos and don’ts:

Do:

  • Send us your online bank statement.
  • Ensure your information you’ve provided is complete.
  • Ensure the information is easy to understand.

Don’t:

  • Send screens or prints without the full information on.
  • Send information in the post you want returning as we securely destroy all documents received.
  • Send information at different times, try to send it all together.

How do I download an online statement?

Simply click on the heading below and you’ll be able to see what your bank’s policy should be for downloading online statements. If yours isn’t listed here, let us know and we’ll do our best to help:

HSBC

1. Log in to the online banking section of your bank’s website.

2. Select the account you wish to see an online statement for.

3. Above ‘your transaction details’, click ‘manage’.

4. Under ‘documents’, click ‘statements’.

5. Click on the statement you wish to send us and, under saving options, click ‘download PDF’.

Halifax

1. Log in to the online banking section of your bank’s website.

2. Select the account you wish to see an online statement for and click ‘view statements’.

3. Under ‘statement options’, click ‘download as PDF’.

Lloyds

1. Log in to the online banking section of your bank’s website.

2. Open your digital inbox.

3. Select your bank statement and click the option to download as a PDF.

Barclays

1. Log in to the online banking section of your bank’s website.

2. Select the ‘statements’ tab.

3. There are options to view the last three statements as well as statements for the last 12 months.

4. Click the statement you wish to send us and select the download option.

Nationwide

1. Log in to the online banking section of your bank’s website.

2. Click ‘view accounts’ and select the relevant account.

3. Under ‘statement archive’, select your statement.

4. Click ‘download’.

Natwest

1. Log in to the online banking section of your bank’s website.

2. Through the menu, click ‘statements’.

3. Under the account section, click ‘view save and print PDF statements and certificates of interest’.

4. Select the relevant account.

5. Click the statement you wish to send us and select ‘view’.

6. Download the statement.

RBS

1. Log in to the online banking section of your bank’s website.

2. Through the menu, select ‘statements’.

3. Under the account section, click ‘view save and print PDF statements and certificates of interest’.

4. Select the relevant account.

5. Select the statement you wish to send us and select ‘view’.

6. Download the statement.

First Direct

1. Log in to the online banking section of your bank’s website.

2. Click ‘statements’ and select the ‘view’ option.

3. Go the bottom of the page and click the ‘print’ button.

4. Select the statement you wish to send us by changing the ‘from’ and ‘to’ dates.

5. The statement you’ve selected will open in ‘print preview’.

6. Under the printer options, select your PDF option. Instead of printing the statement, this will allow you to save it to your computer.

Santander

1. Log in to the online banking section of your bank’s website.

2. Select the relevant account.

3. Click ‘E-documents’ from the menu.

4. From the list, select the statement you wish to send us.

5. By default, this should open as a PDF. You can then save this and send it to us.

Co-operative Bank

1. Log in to the online banking section of your bank’s website.

2. Click on ‘statements’ and choose the document you wish to send us.

3. Download the statement.

TSB

1. Log in to the online banking section of your bank’s website.

2. Select the relevant account.

3. At the bottom of the page, select ‘print’. This should open your statement in a new window.

4. Click ‘print’ and the ‘print preview’ option should display.

5. Under printer options, select PDF. This will allow you to download the file.

Tesco Bank

1. Log in to the online banking section of your bank’s website.

2. Select the relevant account and click ‘manage account’.

3. Select ‘view your statements’.

4. Select the statement you wish to send to us and click ‘download’.

Bank of Ireland

1. Log in to the online banking section of your bank’s website.

2. From the main menu, select ‘statements’.

3. Select ‘statements and documents’.

4. Select the relevant account.

5. Select the statement you wish to send us. On your browser window, click ‘file’ and then ‘print’.

6. The statement will open up in ‘print preview’. Under the printer options, select PDF. This will allow you to download the statement to your computer.

Bank of Scotland

1. Log in to the online banking section of your bank’s website.

2. From the menu, select ‘statements’. Click ‘view statement PDFs and certificates of interest’.

3. Choose the relevant account.

4. Select the dates of the statement you wish to send us.

5. Click the download option.

Coutts

1. Log in to the online banking section of your bank’s website.

2. Select the ‘statements’ option.

3. Choose the relevant account.

4. Click ‘download’ and choose the PDF option.

Who do I send online statements to?

Once you have the bank statement, send it through to the email address provided by your case Administrator. If this isn’t possible, call us and we’ll help ensure your statement gets where it needs to be or upload to our review portal.

Why do you need to do this review?

A review is essential so we can assess your financial circumstances and make sure an IVA is still affordable. We’ll be able to check your regular payments including your direct debits such as your household utilities.

Could my payments increase or decrease?

The review will be based on your circumstances. For example, if your work hours have been reduced, then the review could demonstrate that payments should be adjusted to make the IVA more affordable.

On the other hand, if you’ve had a pay rise or got better-paying employment, you may be required to pay more towards the IVA. However, this will take into consideration any changes to your outgoings too. For example you may be travelling further to your new employment. Still, if your financial situation remains largely the same, this review could be just a formality.

Regardless, your IVA supervisor will let you know of any changes to the agreement.

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