Hi. My company has just announced a temporary 10% pay cut for all UK staff. Effective from Oct 10 to Mar 11, but no guarantees that normal pay will resume after Mar. Hopefully it means that I'll still have a job in March! Am I able to ask for a 10% IVA payment reduction over the same period? Would t...

Hi When I moved between rented properties a couple of years ago, the new agent found my IVA! They asked for 6 months rent up front, plus the usual 1.5 months security deposit. Fortunately a very generous friend helped with the 6 months rent payment and I was able to move. Not sure about the joint te...

Hi I'm just over 2yrs into my IVA and have a 2 part question. Firstly - My original IVA was 40k, and have paid 15k, leaving 25K outstanding. If I was to make a Final Offer, what do you think would be acceptable? If I took this route (and I'm not sure its the right one) I could possibly get 16k toget...