Thanks I've scoured the conditions, but I can't find any reference to increase in salary other than in relation to the annual review. So I am curious as to why notifying actual salary increases is not explicitly mentioned in the "overtime, bonus, commission or similar" condition. I can't imaging tha...

Sorry wrong forum. Can a mod please move this?

Can someone please clarify how salary increases are dealt with, in an IVA with Stepchange? The proposal mentions an annual review where income and expenditure are checked, and that I will have to pay 50% of any salary increase above my original payment. But it also mentions the need to notify the su...

Not really debt related, but someone must have come across this! I have lived with my partner, of 24 years, and kids, in this house for 9 years. The mortgage and all the debts are mine alone, and I am sure that my partner was put on the deeds when we purchased. There is about £40k equity in the hous...

Thanks for that quick reply With a bit of jigging of outgoings and some extra income via some freelance work, I could afford about £320-350 for an IVA. Barring any major disaster, I feel that I could maintain IVA payments at this rate + annual modest reviews I am also looking at the potential of rem...

I have been in a self managed DMP for two years during which time creditors have been OK. But I don't really want to be in this for the next 30 odd years. The way the money markets are going, I think that my creditors may not be so lenient in the future, so perhaps its a good time to get something m...