www.iva.co.uk

me and ,my husband have been in our iva now for 4 years we have kept up with all the payments up until now my husband is off work with a bad back problem he has been back and forth the hospitals for many years having injections in his back etc etc but has now been told that the only way forward is a major back operation which will mean about a 16 weeks recovery rate then no heavy lifting for the following 6 months while he is off work he gets no sick pay he has kept putting off this operation due to worrying about paying the iva but now he has been told he really should have it done by the hospital we would hate the iva to fail with only a year left to go theres no euqity in the house to pay into it we have told the ivs people about this and they said that they will look into a situation but need written proof from the hopsital to confirm all of this which we have sorted out . I have seen a mention of payments to date in ivas what does this mean please ???is that they you can end the iva and they will accept what you have paid in so far ?? we are both getting so worried about failing it but he really does need this operation can anyone out there please help with some advice thanks so much

This is a perfect case for closure based on payments to date. Speak to your IP and provide as much back up as possible such as medical evidence, house valuation and mortgage statement. I am sure creditors will agree to an early closure.