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Hi hopefully some one can help and advise with this.


I have an IVA with the CSVA which is part of the CCCS. I sent in Jan copies of my last 3 payslips along with my outgoings. They have written back stating they can see that I have recieved a significant pay increase which is true.


However although my income has increased so have my outgoings. All bills rent etc are in my mothers name but I have been paying them, just as I was last year. Because I had a significant pay increase my mother asked me to pay a more significant contribution towards these bills. The alternative would be to move out and I wouldn't be able to pay the IVA at all.


They have asked for a joint budget which includes my mothers income, evidence of all utility bills (prepayment so no bills), council tax bills, details of telephone bills, details of car insurance and road tax which I have been paying as I'm the one who uses it all, the car for instance is in my mothers name although I am the person who uses it 100% of the time. My mother will not allow me to send this information as it is all in her name which i understand and agree with.


Are they able to request such information? as the IVA is not in my mothers name it is in mine? Does anyone have any advice on this? Also in my IVA it advises I have to pay 50% of any commision or bonus I recieve however without keeping this to myself I wouldn't have been able to live over the past year. I have made all standard payments as requested, can anyone suggest any other options to me?


Thanks in advance.

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Hi, with you living with your mother, it does not seem right them asking for your mother's income and expenses to be included. Usually, if someone is living with their partner, then the IVA company are within their rights to ask for proof and declaration of the partner's earnings - however, I have never heard of them asking for proof of family's income and expenditure details, and I would suggest that you decline giving this information. At the end of the day, the IVA company will just go back to your creditors, to find out if they are willing to accept the surplus based on your revised income and expenditure. The IVA company sound like they are trying to get as much money out of you as possible! With your income increasing, it is natural for your expenses to have increased over a year, and the creditors will understand that.

As long as you are honest, and upfront with your IVA company/creditors, this can only go in your favour. i.e explain you do not want your IVA based on your mothers income and outgoings, and give them your income and expenditure details as they are now, with the added expenses as well as income.



Most IVAs will request up to 50% of any extra overtime, bonuses or commissions you may receive, and this is why they ask for payslips to prove this.


I hope this helps in some way x

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Thanks for the reply, I will send them a letter advising that I will not be sending in any information in regards to my mother. As for the overtime and bonuses it is not much anyway to pay to them, however they didn't give me any instructions on how to pay this money to them although it is in my t's and c's to pay it. I will advise them in the letter I don't have that cash to pay all in one go.

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