www.iva.co.uk

Posted: **Sat Jan 19, 2013 7:01 pm**

Can anyone just clarify this one for me i have emailed GT twice with no reply(i dont want to phone as its a 0844 number costing a fortune and i am trying to cut costs you know). The wife and i are in a joint IVA, she has been able to work some overtime so does the 10% rule apply to her wages only or the joint income

Thank-you

Posted: **Sat Jan 19, 2013 7:07 pm**

Hi downandout have you been mailing Karol on IVACustomerServices@uk.gt.com putting only "IVA Forum" in the subject line ?

I am new to GT, so don't know yet how they work on this, but my previous company took our joint income and applied the 10% to that --THEN the extra was split 50/50.

Posted: **Sat Jan 19, 2013 7:19 pm**

This is the email address i have used, IVACustomerServices@uk.gt.com had no reply though i didnt put iva forum, though to be honest that shouldn't make a difference, i suspect they really want peeps to phone as they earn cash from the call's. I am aware of the 50/50 bit just want to know weather i owe £12 based on a joint income or £100 based on single income

Posted: **Sat Jan 19, 2013 7:22 pm**

It is important to put IVA forum in the subject line, as those emails get directed straight to Karol, who has assisted many a forum member in the past.

Posted: **Sat Jan 19, 2013 8:49 pm**

The 10pc 50/50 rule applies to single incomes only even though you are in a joint iva

Posted: **Sat Jan 19, 2013 9:00 pm**

Interesting Lem -- yet another discrepancy in how IP's operate. Mine calculated it on joint income on the interlocking IVAs.

Posted: **Sat Jan 19, 2013 9:06 pm**

downandout - have you tried checking the number via 'Saynoto0870' - doesn't always work but worth a try!

Posted: **Sat Jan 19, 2013 9:09 pm**

Really Foggy? That's definitely a more debtor friendly way to calculate it as you would get to keep more of your overtime if it was worked out on joint incomes, sadly my ip doesn't do it that way

Posted: **Sat Jan 19, 2013 9:11 pm**

Yes, Lem. I even go them to re-check !

Posted: **Sun Jan 20, 2013 12:01 am**

We received letters in each of our names from our IP telling us how much we could earn on our own income before we had to notify them so worked out the same way as Lems.

Posted: **Sun Jan 20, 2013 10:05 am**

As I say ... another divergence in the way different IP's treat the same issue!

Posted: **Mon Jan 21, 2013 9:09 am**

There should be no divergence because there is no such thing as a joint IVA. Each proposal is individual and each client has their own modifications. The proposals may be interlocking and mutually reliant but I do not see how the 10% 50/50 rule can apply to joint income. I can understand an IP allowing set off should one income drop but that is a totally different thing.

Posted: **Mon Jan 21, 2013 11:03 am**

Hi Michael, I beg to differ there, as my wife and I are in a joint IVA where total debts were joined and shows on our original proposal as joint.

Posted: **Mon Jan 21, 2013 11:52 am**

Sorry Jeff but there is no such thing as a joint proposal. When the votes were cast at the meeting there would have been votes for you and your wife. You could not use her votes to approve your proposal and vice versa. IVA stands for 'Individual' voluntary arrangement and the law does not allow for joint arrangements.

Posted: **Mon Jan 21, 2013 12:10 pm**

Michael, I am confused. We both have a copy of the IVA proposal one is in my name the other in my wifes name. Can you please explain why on both copies they show my debts and my wifes. Surely if this was the case my proposal would show my debts only and the same for my wife.