Had a phone call from my IP today explaining they were sending all my paperwork back to my debt consultants as I was earning to much money for an IVA and a DMP would mean i could pay all balances back in the same time span as the IVA,, under and IVA i would be paying back almost 10k more than i should, however my payslips submitted include loads of overtime that is simply not available anymore, i was working 6 and 7 days a week with overtime equating to @ £500 per 4 weekly pay packet,, It appears that the IP has included the overtime as guarnteed but i was only working it to make ends meet, What do i do now, I understand that under the IVA i would pay back more money than i actually earn, so the IP has my best intrests in hand, however without doing 80 hours a week which is what i was doing i cant make ends meet, I am now somewhat comfused as to what and where to go next....
Sorry about the essay, a little puzzled at the minute ??.
