Thanks for everyone's responses. I was hoping to get more than £10 but nevermind.

Hi, I'm currently 18 months into my IVA & was wondering if anyone knew were we stand with employees tax codes increasing from this April so everyone is entitled to earn £10k tax free? Do we need to pay all this extra income to the IVA or just 50%.
Thanks Diane

Hi Everyone, I've just had a letter from my boiler insurance saying that because I've not claimed in the last 12 months I'll get half my premium back (£63). Does anyone know if I'll be able to keep this? Also, where do I stand with cashback sites eg quidco? Can I keep the cashback that's paid out? ...

Thanks eveyone. Your answers have made me feel a lot better. I think I'm only going to be paying in the odd cheque & paying some bills for them. I'm going to discuss with my IP though. Thanks again

Hi, I was wondering if anyone knew were I stand on becoming a third party on someone else's bank account. A family member is going travelling for over 12 months and they've asked me to go on their account so I'll be able to keep an eye on things whilst they're out of the country. I'm worried that if...

Hi Everyone, Thanks for all your advice. DFD have finally got back to me today. It's great news. They've re-evaluated our I&E and worked out our surplus to be £120 and we only have to pay 50% of that(£60). All the recent sleepless nights have been worth the wait as we were going to be £100 short to ...

Hi Arrmick, Just a quick note to let you know that my husband & I had an IVA agreed last year whlst I was on maternity leave (unpaid). Ours was accepted by all 9 of our creditors (debt being double yours). It has actually worked out better for us as we had no-one to look after our child if I went ba...

Thanks everyone. I'm going to email my IP today & see what he says. It'll be great if we only hav to pay 50% but I'm not getting my hopes up. I'll let you know how it goes.

Thanks. I knew I was stretching ourselves really when I put our original I&E figures in as I was worried that we would not have enough surplus for our IVA to get accepted.

Hi,I entered an IVA in Oct 10. I have received a letter saying that my mortgage payments are going down by £280 per month (due to going on variable rate). I know that I am going to have to pay this to my IVA but was wondering if they would look at reviewing my I&E as a few payments have changed. My...

I'm thinking about entering an IVA but just have a question. My mortgage is on a fixed rate at the moment & interest only. If my deal ends whilst in the IVA & my mortgage payments go down (as the interest rate is lower than my current deal) would I be able to keep my mortgage payments the same (ie c...