I was looking for some advice and cannot speak to Freeman Jones until the new year due to opening hours. I've been in my IVA for approaching 18 months and made every payment required but was wondering if my IP is likely to allow me a payment break to buy a new bed?? Mine broke last month and it's not very nice sleeping on a matress plonked on the floor! Would it be a reasonable request for me to ask for a break for 1 month??