My IVA started in June, and it was just going to be in my name. But if you are married as I am it made sense to have a joint IVA, as my husband would still need to pay some of the joint overdraft, and still had his own loans to pay for. It was the best decision we have made, as we no longer dread th...

[quote] Originally posted by welshman2805 I am new on here and currently have the creditors meeting set for 23/8. on my original proposal my repayments were proposed at £407 / month (33% return). two of the creditors have asked questions and now the IP is proposing this is raised to £776/month. they...