Hello. Thank you for your reply, i am married and my cannot work due to legal reasons, yes they can have 50% but if my work dries up and i cannot make the higger payments then i would have to go bankcrupt.. Thats why i would sooner give as a gift, i will speak to them and if we cannot aggree its bet...

i am in a 1va for 3 months pay 414 per month, i am self employed and my money goes up and down, i am happy to pay more but if my iva goes above 414 that i pay already, and then my money goes down i would struggle to find the money. I feel its better for me to stay on low wages than to earn more to p...