Thank you Colin can they penalise me if I am honest and offer to pay 50% of over time every month... i just dont want to breach the guildlines by being as honest as I can.
Thank you .

Sorry my screen is cracked so hitting wrong buttons.

Thank you Foggy my mind is alittle more eased i jist dont want to get anything wrong then end uo bankruptc .

Sorry foggy but you seem to be a fountain of knowledge haha. So what happens to that 50% of overtime that I give to the IVA .. is it just dead money ( no in my intrest)

Hi Foggy Thank you so much for your speedy reply!!! Sorry yes I meant 10% of my wages then overtime 50/50. I will be with Hanover... they seemed very welcoming when I rang and helpful. As long as I can ring every month to pay additional payments ( overtime) and not be penalised it will make me feel ...

Sorry me again, am trying to make this idiot proof for my self. So could I pay my Mortgage, Council tax, Gas and Electricity, Mobile phones ( morjority of the bills) from my bank account and live on the remaining income of my husbands? I want to make it easier for myself to buget and easier for the ...

<r>Hi, <br/> I have currently just signed up for an IVA, I work in mental health and complete over time most months not because I have wanted to but we cant get agency due to covid. So my basic is £1654, and my payment will be £161 a month. I dont want to break the guildlines ... I am so worried <EM...