Thanks for your replies. I have since had a reply from Payplan and they have confirmed in writing that I do not have to pay any extra until next year! Next year it will be the 50/50 rule. Great news me thinks!!

I rang my IP today to say that I now have a 2nd job and how much would my payments increase to. They said that my payments will not increase until my next review in July 2011! is this right? I don't want to have to cough up a lump sum next year?

I may have the opportunity of a 2nd job. This would be on a 'self employed basis' I contacted the tax office and they said I would have to fill in a self assessment for which is ok but obviously I would want to pay my extra tax contribution straight away and not wait for the bill to come in? Any sug...

I about to come up to my lst year review. I have - £38.00 less per month than I did last year. I currently pay planplan £175 per month will they fail my iva or any chance of them reducing the payment?

I don't know about you Wickerwish but it all seems so final, which is really strange seeing as I never felt the same when I took the loans etc out even tho they were going to take years to repay!! signed the proposal now will get it in the post.

Know how you feel. Got mine yesterday still not managed to put my signature on it - even tho I know its the right thing to do!!

How much emergency money if any are you allowed to keep from your disposable income. For example if you have £175 after bills etc how much would my creditors expect and how much would I be able to keep?

I seemed to have been asked by my IP for all my paperwork except bank statements. Also when it comes to annual reviews what paperwork will they expect?

Thanks everyone, especially Helen as you were probably thinking the same thing before your proposal went in.

I have been advised by my IP that on debts of over £30,000 they suggest that I should offer pay £130.00 per month (which is what I can afford). Has anyone else been able to pay this figure on such a high debt. I am sure my IP (payplan) knows the score but I dont want my Iva to fail!

Thank you swardean, it makes me feel like a naughty girl - but I have been havent I thats why I am in this mess. I was advised by payplan to open an account with Abbey because they are not linked!

Please tell me how it works when you are in an IVA. I have just opened a new bank account with 'Abbey' so will my creditors or my IP be able to look into this account to see what I'm doing? ie. if I was to spend more one month and less another or put some extra money in (if I were lucky)or are they ...

Thank you everyone who replied and all your advise. I told my IP today and explained my reasons (that I hoped to settle it as it is only small, but not small enough for me to settle in the next couple of weeks)but if I am going to get out of this mess I think honesty is the best policy. Felt better ...

Hi Guys I am new to this site! suprised how many others are in the same situation - thought it was only me. I am currently going down the IVA route and need some advise from you all. I listed my debts for the iva but left one off but don't know if I have done the right thing now! I have a credit ca...

Hi Guys I am new to this site! suprised how many others are in the same situation - thought it was only me. I am currently going down the IVA route and need some advise from you all. I listed my debts for the iva but left one off but don't know if I have done the right thing now! I have a credit car...