All sorted now, thanks to all that helped.

Hi according to another advisor at FJ the amount agreed with my creditors is FIXED - at £330 per month, so (a) why have I been paying more than that for over a year - and why on earth do they want to increase it to £384? That would mean I'd overpay!!!

Well, I've been in an IVA for 3 years, started at £200 which jumped up to £317 a month when I cleared the HPI on my car (I did agree to that in advance as I only had a few months left on it). Since then my gas & elec (combined from 1 supplier) has gone up from £36 a month when I started the IVA to £...

Hi I am over halfway through my IVA. I am actually ahead in paying it back thanks to a PPI recovery. My only criticism is the IVA grabs as much as it can the minute your circumstances improve (which I don't necessarily disagree with...) - yet when things go the other way, it can turn into an uphill ...

Just to clarify, the variance in my % annual increase is correct. Over 3 years it's only gone up 1.3% based on my hourly rate - we had a salary freeze that continues till April 2014. The 1.7% "increase" for the last 2 years should be ignored; that's due to the prev year being artificially lower, as ...

Hi I am with Freeman Jones and just had my 3rd annual review. My official payback rate is £317/month but they keep raising it outside the scope of my contract (if you have more than a 5% increase in income; my salary's only gone up 1.3% in 3 years). I've sent all my pay slips inc P60s going back to...