It is my wife's IVA and we have a joint financial association through the mortgage. They have always been interested in my income and personal allowance in determine the level to pay. I know it's in my interest to ensure my wife pays the monthly amount, if she says that she can only afford to pay £2...

Am I able to negotiate on behave of my wife with the IP, as she has bipolar and isn't strong enough to fight her corner?

Thanks for the answer it certainly clarifies the situation. As a guidance, what would you expect my wife monthly payment to be if we had a joint income of £4,000/mth (70% Mine and 30% Wife) with joint bills of £2,900/mth, Wife bills £100/mth and My bills £600/mth as they are asking for wife to pay £...

Hi My wife has an IVA as result of her financial unmanageabilty, due to her being diagnosed with bipolar. It's 3rd year review time to ascertain the monthly amount to be paid and they are trying to increase the payment quite considerably by £150/month, this has been due to my wages going up in the l...

I thought this, but I asked her to ask debt free direct and they stated that it won't be an issue. I thought this to be strange because if someone owed me money and they wanted to give away their only asset I'd be a bit miffed. I don't want to go ahead and do this only to find out later we are both ...

I don't need the credit at the moment, I am trying to think 4 years down the line where I don't have a surplus of cash to replace a 10 year old car, replace already worn carpets in the house. I have only just become aware that my credit rating has been affected, so just trying to find some solutions...

One thought that did cross my mind was to take my wifes name off the joint mortgage. I am not sure if this is possible or easy to do, does anyone have any experience of this to advise.

The company my wife has the IVA with is debt free direct.

My wife spoke to the IVA Practioner in the week and they stated to her that it shouldn't affect my credit worthiness. All the stuff I have read points to the same fact you guys state, but the news from the the practioner gave me some hope, hence why I asked the question.

My wife entered into a IVA after getting into financial difficulties. 2 years into this arrangement I have noticed that my ability to get credit has been affected due to my wifes IVA. I now understand the reason to be due to the joint mortgage linking a financial association on my credit file. Is th...