im really worried,I started my iva last year when i entered into it i explained that my partner paid the rent and i did not recieve any other money from him nor did he pay for anything else,as the debts are only mine he was not named on the iva.I have just sent back my documents for the first year review and stated that there had been no changes,which there wasnt,however the relationship has been very up and down and he has threatned to leave a few times once after he said he had found somewhere to live i wrote to the iva company explaining that he was in the process of leaving and i would then become responsiable for the rent, i heard no response from them it turned out that he did in fact not leave and there fore i never chased this up as he continued to pay rent.however this evening he turned violent i know this is wrong and no one should have to put up with this so i told him i would phone police if he didnt leave this time to which he has gone,im scared if he doesnt come back i wont be able to make the iva payment,a friend who also has a iva told me to ring and explain to them,but she is sure that you have to pay at least 240 a month into a iva to be able to maintain it is this right will i be forced to go bankrupt if i cant make that amount or could they lower the payments im so scared of phoning them they have been really good and im so grateful for all the help they have given me going into it,im scared to live with him and scared to live without him and now im scared i lose the chance of rebuilding my life without debt,id be so grateful for any replies
So sorry to hear your awful news Kaza. No-one should have to put up with a violent partner, and I do think you have done the right thing.
With regard to your IVA payments, I would call your IP tomorrow and explain what has happened. They will probably be able to agree to a short-term payment break for you, until you get yourself back on your feet, and perhaps see what additional income you may be entitled to in terms of benefits. This will also give you time to work out your budget, to see if you can actually afford to carry on with the IVA.
Your IVA will definitely not fail if you are not able to pay more than £240 into it - its failure will depend on the actual circumstances of your own case, and not a generality.
thank you for your reply,i was just so scared of ringing them just in case they say i wont be able to continue with it,im off sick at the moment and havent told them as im recieving sick pay which enables me to make the iva payment,im off sick after having my third operation to repair my shoulder after a car accident,i was envolved in this prior to entering the iva and had a claim for compansation going through which i made them aware of and was hoping to keep,this was written in to the conditions but it didnt actually say i could keep the money it just said i was hoping to keep it so not sure if i have to pay it them,im awaiting a interim payment but has been slow to come through was going to use this money to pay rent if i didnt have to pay it into iva and then hopefully when claim is finalized i was hoping id get enough to make a offer to them to finish the iva then id be able to pay the rent with what i was paying for iva,know i cant claim benifets i work full time already looked into it as part of my escape ! was trying to put up with the relationship till iva had finished but cant live like it anymore
If your compensation is for pain and suffering rather than loss of earnings, it should fall outside the scope of your IVA and be yours to keep - but the specific terms of your own IVA could overrule this. Best to check with your own IP to be sure.
Hi, I spilt up from my ex and my payments reduced from £850 to £400 which was good chin up and the light is near. As said no one deserves a violent parter. Good Luck. x[:)]
Hoping the responses so far give you courage to speak with your IP today and a solution is discussed on how you can progress this.
It is very difficult when children are involved especially, and no-one should go through any violent episodes.
Let us know how you get on and if you need further support we are here for you.
Sharing from experiences of dealing with debt
There is a solution for everyone .... Just need to stay positive !
