I think the problem here is that PayPlan use the Common Financial Statement to prepare IVA Proposals and Northern Rock assess proposals against CCCS Guidelines, both are acceptable according to the IVA Protocol, however they differ greatly....the CFS is a lot more debtor friendly than CCCS.

I would think it would depend on the reason behind you wanting to save into an ISA. Your IVA contributions would normally formed from any disposable income left after your monthly expenditure had been taken out. Most creditors allow expenditure from those recommended by the CCCS. An ISA account is n...