Thank you everyone for the very useful information. I thought that the loan idea might be a non-starter. We will just continue as we are now. One other thing that we have just had in our annual review was that we pay nursery fees and that was under question. But without nursery we would be an entire...

Hi, I am 3 years in to my IVA and due to a change in myself and my wife jobs we are now earning a lot more which has just resulted in our monthly payments to increase. As time goes on this year my wifes wage is due to increase again. So the question is whether we would be able to get a loan to settl...