I'm in the process of applying for an IVA. All the debts are in my sole name (£28,000). I have two problems - Firstly my wife earns a small income from mobile hair dressing (less than £4000 per year). This is all paid in cash and is basically used to cover our day to day living costs. Obviously I ha...

I'm just about to apply for an IVA, my problem is that one of my creditors is a credit union that takes its payments direct from my pay. How do I go about stopping this payment?