Please can you tell me what i should do?

[clairee]

We are currently in an IVA, i am on maternity leave and lose 600 pounds of my salary, i informed the supervisor when i was pregnant and have contacted them twice by post and three times by phone, they do not seem to be doing anything about it, i rang again today and he still has not seen the supervisor despite me being 2.9 months in arrears and having a 3 month and then fail the iva clause.
Please can you tell me what i should do?

[whem]

have no expertise when it comes to ivas but as with all businness practice companys should keep a record of your phone calls i would suggest ringing them again explaining your worries and make sure you inform the person on the telephone you are logging the phone calls and get his her name itemised billing will help you do this

[Reviva UK]

Hi
Sorry to hear of your trouble but congrats on the baby!!
Questions
1. did you send letters by recorded delivery?
2. Are you planning to go back to work & when
3. what sort of job do you do
4. if you go back to work how will the childcare costs effect out household expenditure.
5. when did you start the IVA and how much do you pay a month
6. do you have a property.

If you can fill in the blanks I am sure the advice will follow.

On the face of it you probably have a few options depending upon the above info.

these include lowering the VA payments until financially you get back to normal, but this would require a longer period in the arrangement.
The IP may want to fail the IVA if they are unreasonable - pretty bad press for them and creditors considering the baby etc.
bankruptcy may be an option.

However with the above info you or a third party ( a few experts on the forum) could chase to IVA company to get them to respond.

look forward to your post

[MelanieGiles]

Your supervisor should consider your circumstances carefully and arrange to meet with you to see how you can continue to service your commitments over the period of maternity leave. At worst, a variation meeting could be called to give you up to six months payment break if this is feasible.

Which company are you with?

[luluj]

try emailing your IP - I did last week and received a response within 2 hours confirming receipt and a further response in less than 12 hrs with the answer! Alot easier than all the phonecalls and letters etc

[clairee]

Hi, thanks for replying, bit of a nightmare trying to get any response from my IP, i am with Accuma, i currently pay 527 into the iva and have been for the last 21 months, although the last 3 have been less than this amount due to maternity, he did eventually get back to me after yet another phone call (at 1845hrs) i had been worrying all day. Bankruptancy in not an option not with having young children and i intend to go back to work in September, my childcare stays the same as my daughter starts school then. I didn't send the letters recorded but i know they have them, they are just slow on actually doing anything about them. Whilst checking out other peoples worries i noticed that i did not have a contingency fund (for instance my hoover blew up last week and now i have to find the money to replace it!!) i think that i have not taken everything into consideration when filling out my I&E, we live for the next cheque always.

[clairee]

sorry forgot to say i can reduce the payments but he wants to extend it for a further 6 months so my iva will run for 6 years and not 5 as 6 months were to take into consideration my equity as i do not have a clause on mine.

[MelanieGiles]

That does not seem unreasonable.