Sorry Melanie, if I could ask 1 further question.
Does 'normal take-home pay' include or exclude any night and weekend enhancements (is it the actual net pay)?

Her average take home pay has never changed. The iva was never based on her take home pay. They told us it would be based on her basic pay because if they done it on take home pay and she was off sick we wouldn't afford the payments. They told us only o/time and bonuses would increase our payments a...

I'e just seen a line in our 'report of the nominees' document which states "The nominee having reviewed the proposals believes that they are protocol compliant".
Does this mean our iva's are protocol compliant?

Thay are both with payplan.

How would I check this?

Many thanks for that Melanie

Is there any particular part of the protocol I could quote in future correspondence with payplan?

Our income is no different now since our IVA began and at our annual reiew in April they even reduced our payments.

Hi melody
That's exactly what they've done to us. I was hoping we may get some advice from one of the the IP's who post on here as to wether or not they are allowed to do this!

Thanks for your replies. The thing is my wife doesn't do any overtime, her wage varies because she works nights and gets enhanced pay for this and weekends. When the iva was first set up we were told only overtime or bonuses would increase our payments, her wage as been pretty much the same all alon...

Myself and my wife are both in an IVA with Payplan. My wifes wages Vary due to shift work. When initially setting up our IVA we were told only her basic wage would be counted and only oVertime or bonuses would require us to pay more. Now 17 months in and Payplan want to start using an aVerage net pa...