www.iva.co.uk

Hi,
Due to problems I have posted about before (hubbie losing job etc) I had to miss my December payment into my iva. I contacted my IVA provider to say I could not afford to pay at the moment and was advised to send in writing the circumstances surrounding us not being able to make the payment followed by my husbands last wage slip and his P45 so this could be forwarded to the supervisor who would then make a decision. I was told it would be about a week to find out if we could have a payment break, but still have not heard anything after nearly two. Just wondering if the IP has to get creditors to ok a payment break and if this is why it's taking so long? How do they view us missing a payment without permission? It's quite obvious from the figures that we can't afford the rent let alone to pay the iva! Just getting a little worried!

Hi
Your IP can normally authorise a break for upto 2/3 months without creditor approval.
Give thema nudge
Regards

Thanks Andy, I'm going to give them a call tomorrow. Hopefully put my mind at ease!

I usually give that authorisation in the initial telephone call, and ask for the evidence to be sent in retrospectively - but if you are not speaking directly to the IP this is what is probably causing the delay.

Hi Melanie, no I'm not dealing directly with the IP - I'm with DFD so I don't really expect to. It's normally easier to just put everything in writing with them anyway, a phone call never seems to get you very far!