originally they were looking at 29p. This gives them 32p. However, IP said that because payments were going to go up they would look at what they could possibly recoup and this is what they would be looking at.
34k is what they could recoup.

what would you recommend

can't see how this would work. Have no chance of getting any more money to pay.

just spoke to IP. says she wouldn't go lower than £27,000. we think they will stretch to this. Do you think this will be accepted.

thanks, will get on the phone tomorrow.

original debt was set at 33k have paid 10 (including ppi refund) really stressed over whole thing and hope that by coming to some conclusion, my husband will be able to manage his depression better.

my inlaws are offering to help us make an offer. We have paid 1 year at £576. Payments are to increase to £705. I am not sleeping and my husband suffers from depression - he is afraid to see the doctor because they will put him off work on the sick and we won't be able to meet payments (how we got i...

if they don't include the shift allowance, we will still owe it under the 10/50/50 rule

am i right in thinking then that once your payments have been increased it is more difficult to get them reduced, no matter what your circumstances?

we were probably just very naive. we thought that because it wasn't taken into account at the start, we would not be accountable for it. have learnt to question everything to keep ourselves right. Payments have increased because OH shift allowance increases his net pay. Still in negotiations to try ...

already in. one year down. will be in 5th year before this happens. (if she gets the grade). Just like to get all our options straight before it happens

will our iva make an allowance if our daughter goes to university. Our wages will not warrant the full student loan and we will be expected to make up the shortfall.

we have just completed 1 year of our iva. My husband works shifts and we were advised not to include his shift allowance as an income (even though it was clear from the payslips that this was a regular part of his income). We now have to pay £2000 based on this and our payments are being increased ...

thanks for your replies. thankfully, they are allowing us to pay back £45 per month, but i feel we were misinformed at the beginning of our iva, as we were led to believe this shift allowance wouldn't need to be included in our income.

we entered our iva a year ago. Although having our payslips, we were advised not to include my husbands shift allowance, which is a regular payment. Now we owe £2000 and our payments are going to increase by £200. We are already struggling and my husband is at his wits end.