www.iva.co.uk

I have just completed my first year of an IVA with Mc D, however I had a 2 month break over Xmas for presents and such and to pay off some final bills from my wedding. I have now recieved a letter saying I owe over £500 for the uplift money during these 2 months?? I was never told that I would have to pay the uplift money during a break. So I'm feeling rather stuck and I really don't have the money to be able to pay it...

A break is usually tagged on at the end, but you will still be responsible for the uplift payments -- maybe they can tag this on as extra as well. To avoid being in permanent arrears, maybe a payment break now to pay this back and tag the resulting postponed payments on at the end again. And pay over any uplifts during this break right away.