Twelve months into an iva. My employers are currently undergoing a management restructure and are offering me an opportunity for a promotion to Nightshift manager. While the promotion itself will not increase my basic salary the change in shift pattern onto a 3 days (nights!!) on 3 days off pattern ...

What with recent base rate reductions, especially today's 1.5% reduction, how does an IP view monthly mortgage payments (expenditure)at each IVA annual review? Obviously, anyone with a review due early next year would be showing an I & E with vastly reduced expenditure - yet any subsequent increases...