I understand that my partners income is considered when looking at household expenditure. However she has personal loans in her name. Would these be taken into account when the expenditure is worked out (eg. if my partner is seen to be responsible for 20% of income but due to her loans she can only pay 10% then would they take that into account?)
It depends upon which firm you go with. Some, like Payplan, will take the whole household income and deduct the whole household expenses to arrive at the repayment, even if only the one of you is in an IVA.
With the majority of firms, however, they only take the solvent partner's income into account to work out their share of expenses. What her money is spent on is irrelevant to this calculation.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
