OK, my IP advise that all proposals would need to be presented at the one meeting, and if they are rejexted then the prospect of creditors filing fankruptcy is a possibility. I can't risk bankruptcy having come so far, so having discusse with family I have agreed to pay the outstanding amount in 2 p...

Latest update - I advised my IP that I don't have any savings at present to pay the £3k plus that has been requested (I have no savings). They got me to complete an up to date income & expenditure review which shows I have £445 per month spare after bills etc each month. On this basis they are sugge...

Thank you for your replies. I agree, my IP is just doing their job & I would have been much better to advise them of my change in circumstances at the time despite it being a somewhat frenetic period. I will ask for the meeting to be called for my proposal to be put forward. Can you just confirm tha...

I started an IVA in my sole name in May 2006. Over the first 4 years I paid the amount in the agreement plus 50% of any additional income (pay rises). In the 4th year of my IVA I split from my wife & moved out but still paid my share of rent & bills I was contracted on this property as well as a pro...

Many thanks Ivor & Melanie for your help. Since finding this site I have learned so much & the advice & support given by other people on here is priceless.
It really does enable people to be happy & get the most out of life whilst still ensurng the terms of their IVA are adhered to.

Yes my wifes income was used to calculate my share of household bills in the original proposal. I hope additional expenditure relating directly to the baby would be OK. My concern is that any benefits which count as my wifes income would not cover her share of household expenditure. Would creditors ...

I have been in an IVA for 1 year. I am married, but as the debt was in my name & pre-dated our marriage I entered into the IVA in my name only on the advice on a helpline counselling service. If my wife becomes pregnant would I be able to reduce my monthly payment? I am currently paying more than or...