I'm at the same point at 3.5 years and starting to get a little bit sick of it to be honest. Time seems to be ticking away to treat the kids and stuff but you are right, we must keep our eyes on the prize. Can't wait to get to the end and look back on what has been achieved. It must be worth it!

Just feels slightly unfair that's all, but then again I understand I should pay what I can towards my debts! Also, made worse by the fact that last year they said as long as under 10% I didn't have to pay any, so it seems like a change of stance as well. Then best thing is, if they go with the payme...

Thanks for the replies. It is the latter Badger. They are part of my salary package and would be ones to buy and sell through a broker. My gut feel is to sit on them anyway, as some are worthless and may take years to be worth anything. I just was unsure if it felt fair to the creditors, while in th...

I have been in an IVA for 3.5 years so far. I receive a variable annual bonus. A clause in the IVA states that I mus share 50% of anything over 10% of my take home pay. Last year as my annual payment was less than 10% I was told to pay nothing. This year, the firm are saying I should pay 50% of the ...

I have two clauses in my IVA. One states bonus, commission and overtime and the other is for wind falls. The first states a 50:50 share and the second says all to IVA. As these were part of employment package, which do you think the fall in to. Also, they have a 7 year exercise option. Am I able to ...