www.iva.co.uk

Hi,

I am really confused!!!! Last year I worked out my 10% then 50/50 each month regarding overtime etc. Just had my review and they said to start sending my wage slips in each month and they will work it out and they will also have a copy for the year end when the review is due again. My partner's wages were worked out on average last year because he works 1 in 3 weekends and again they have done the same this year. I have sent off the wage slips this month and have got a letter back saying that my partner owes some money, I am confused so I phoned up. They are telling me that my partner on average earns £1411.00 + 10% which equals £1552.10 before any overtime is paid across. But then she said they have to take off his pension money which is paid through his wage slip which equals £1494.96 before any overtime is paid across. I did not realise you had to take you pension off you total amount and I did not do this last year. I am totally confused, I thought you pension was taken into account when I & E done. Please advise.

Thanks

Hi Tracey,

My pension is taken off at source and not taken into account for the IVA.

I think you need to insist on speaking to the IP rather than an office worker.

If the pension contributions were agreed then you shouldn't have a problem. If your OH has just started contributing, he would need permission for this to be included in expenditure.

Have you checked what it says on your proposal Tracey? That might have a bearing on things.

Is this an interlocking IVA or is it just yours Tracey? I don't see why you OH should be penalised for starting a pension if he is not in an IVA - I can appreciate his earnings need to be taken into account within the I&E but surely that's where the 'intervention' into what his net wages are stops?

I believe they both have an IVA - could be wrong on that though.

Hi,

Yes it is an interlocking IVA, but the pensions were both took into account at the start. Over the past 12 months I have been working out the overtime and it seemed ok, I even checked at the beginning how to work it out and they never mentioned taking off the pension figure for myself and my partner.

Thanks

You do need to speak to your IP - which company are you with?

It sounds odd so get confirmation from your IP. You seem to be doing everything right and this could just be a mistake by the casewroker or as Jan says something to do with the mods. If this is the case it should have been made plain to you at the time and not come up at review stage.

Hi,

I am with Grant Thornton, will email my IP and see what is happening. Just really confused now, wonder if I have been paying wrong amount all last year! But they said I was doing it right last year and did not mention taking off pensions, so totally miffed!

Thanks.

Oh forgot to mention it is my birthday today, what a nice present!! Think the wine will have to come out.

Happy Birthday Tracey!!!
I am with GT as well and I think I will phone them to ask about this one too.
Crack open that wine and enjoy your birthday!! x

Thank you. GT have been brill over the last year just think somewhere somebody does not know what they are doing and it could be me!!!!

Happy birthday!!! Defo time to crack open a bottle!! xx

Belated happy birthday from me as well - hope you had a good one.