I am in my final year of IVA. I have recently had a 6 month payment break because I had to leave my job for health reasons and my IP suggested this break to help me out. I am due to start my payments again in January but my health hasn't improved and I am still unable to work. I was paying £250 a month. I have sent in the equity documents as required and my property is in negative equity. I'm going to struggle to start my payments again in January. I am receiving ESA and PIP now but this is nowhere near what I was previously earning. I don't want my IVA to fail at this late stage, any suggestions?
The fact you are receiving pip suggests your health problems are significant as the criteria for awarding it is really tough.
Do as Andy suggests highlighting that your health issues.
IVA started March 2011, Completed March 2016 and certificate issued 11 days after final payment. It was not always easy but then some of the best decisions aren't.
This should be a straightforward closure as Andy suggests. You have done everything you can and your IP has been a support so I see no reason why creditors would have any problem with closing it now. It may not even need another meeting of creditors as your IP could possibly issue a certificate of substantial compliance and close it anyway.
