www.iva.co.uk

Hello I am coming up for my second review since my first review I have become self employed and earn just over what I was as otherwise employed my iva is with just myself but they have so far taken my husband's earnings into account on I and e sheet so no money left for him he might as well be in joint I v a my question is next year he has to change is working pattern and work continental shifts

3 on and 3 off to include weekends .He will however be paid more shift pay

120 to 160 pounds extra a month so does he get to keep this in his own right as I will be asked of proof of his wage slips and his earnings are taken into account but this iva is in my name only not a joint one any advice please

Technically your husband's income should only be looked at to ensure a fair split in the outgoings, however I've read on here before this isn't always the case. I would definitely hope the increase in his earnings can be kept by him as like you say he's not in the IVA.

Your husbands income should only be used to assess a fair contribution to household income and expenditure which in turn sets your iva payment. Any additional income from your husbands employment will be taken into account at the next review (only if the additional income is guaranteed and not considered as overtime) - this my understanding of the situation.
For specific case advice your IP needs to be contacted.

Which firm are you with Sarahd as its always been my understanding that whilst your husbands contribution to the house should be taken into account to ensure it is proportionate to his earnings, the rest of his money should be his to do with as he pleases. He is not in the IVA afterall.

However I do know some firms don't seem to work this way.

One of the large "charity" organisations uses the total household income to calculate disposable income, effectively making everyone in the family pay the debt.

In theory, in this event, only 50% of any increase should go into the IVA. This, of course, should be offset by any losses or increases in expenditure incurred elsewhere.

Thankyou for your replies I was with pathfinder but the company who collect my payments and I have to send I and e is his recovery so now not sure who I am with the up from pathfinder has not been in touch with me since my iva was accepted so looks like was passed on to his recovery


H j s recovery and I p not u p

My husband already pays £500 more than me a month towards the household bills so there is no money left for him only from the allowance