Can any experts out there advise?

well its mortgaged but yes and really dont want to do that if possible.

Hi everyone. Im 5 months pregnant and worried sick. Been on IVA now for 18months and fell pregnant unplanned. My IP hasnt offered a payment break as yet - waiting for mat b1 form and to review I&E before i start mat leave. will be approx 400 down i think for 4months and IVA is 400 at the moment. My ...

Thanks Tina
Its a worry but hopefully will be ok, do you ahve experience of creditors agreeing to such changes in circumstances

Anybody out there????

Hi Im just over a year in now along with my partner. Ive just found out im pregnant and wondering about IVA. i go on mat leave next july and when i go back to work i want to drop hours to 30 perweek and also childcare will escalate to nearly 600 permonth. the iva payment from jan 2012 is due to incr...

since starting iva last year i am behind on a couple of my direct debits and paying more each month to catch up. will this affect my payments of iva at annual review.

My IVA is one year old in sept. will increases in insurances and utilites be taken into account?
do they want wage slips leading upto review or after 12 months?

I am actually claiming a refund on last 6 yrs and can claim my annal fee and also royal college of nursing subscriptions and cost of laundering uniforms. doesthis get calculated and given in my salary via the tax or will thebackreund come as a cheque- think its somewhere in region of 200-300 and des...

IF I APPLY FOR A TAX REFUND ON MY NURSING SUBSCRIPTIONS ETC WOULD IT ALL GO TO IVA?

Hi
well and truly on IVA road now- made first payment today-59 to go!!![:)]

I agree , i have a few more booked in then its stop for me- actually spending a whole weekend at home- have a partner and 6 yr old son, just seems like a luxury! want to make sure th ip gets their share right so dont mess it up !

sorry broke-reread your post and realise you know th 10/50/50 rule.[:)]

Hi Broke The rule i think is that the amount of basic salary can be supplemented with overtime or bonus- you can keep 10% of your net pay so if you earn 1000 and get overtime of 120 you keep first 100 which is 10% of your salary and then divide remaining £20 50/50 between yourself and iva. my bank w...

Thanks
i was hoping to earn a little extra before the 50/50 but so be it- after all ive been looking for a good reason not to work lots of extras as i have been doing this for last5 yrs- to only receive half the pay for a 10 hr night shift is good enough reason for me![:)]