Sorry I've started another thread on the same issue, can you post your reply in there please?
Well the default is quite complicated. I had a period of employment last year, missing 7 paymets. The iva company agreed to make a payment break and increase repayments for the rest of the term. I then was late with a payment and received the notice of termination due to the propsal saying if i miss three payments, even non consecutive.
I proposed payments of £250 at the meeting this was increased to £280