have just started my IVA with Baines & Ernst, it seems that they will take 50% of any overtime i do at work as well as my monthly payment to them. Is this the norm, as i have discussed this with others i know who are in the same financial situation and it differs with each company..some pay an avera...

I have a debt of about 38,000,at present i have a debt management plan with CCCS, which has been running for a couple of years,but doesn't seem to be decreasing! I am considering an IVA, would i have to change my bank (whom i have an excellant relationship with) i started with them when i started my...