susan i agree with keith on this one, if it isn't in you original proposal that you pay 100% of your payrise then i would point this out to them, i agree we all got ourselves into this mess, and are offering the best we can, as you said yourself you could have gone BR and they would have got a lot less in that,i agree we should pay as much as possible, you are offering that with a 50% increase but you should also have an incentive,
whilst i know a lot of people are lucky to have a good proportion of debt written off within an iva, you do have to live also, 5 years is a very long time, i wonder if in 2 years if your employer went back to the old pay scheme with you would they be as quick to accept the lower payments again or if you should change jobs, hang in there hope you get it sorted let us know
kerri
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