As many know Ebenegate, based in Mauritius, took over the administration of Vanguards IVA cases and are now bullying customers into changing the method of payment to recurring card payments, citing the reason being that it is the only method available to them.
RCPs do not have any useful protection which you get with other methods: With Direct Debits you have the DD Guarantee. With Standing Orders it is you, the account holder, who controls and 'pushes' the payment from your account. With an RCP it is they who 'pull' the money from your account, with no control from you over when, how many times or even how much. In the past RCPs have been notoriously difficult to get out of and some people have had to resort to 'losing' the card and having the bank cancel it and re-issue a replacement (that might have been fixed now, but I am not sure).
The IVA will be silent on the matter of the method of payment. However, an acceptable payment method would have been one of the things you weighed up and formed part of the reasons for you to engage your IP. As such it was a material consideration when you decided to go ahead and it forms part of your agreement. Ebenegate cannot force a change on you.
I have my concerns about a professional company being unable to accept universally acceptable methods of payment --- next it will be transfers by Western Union only !
I would urge everyone affected to complain direct to their IP -- who, as I understand it, is still Mr Peter A. Jackson,of Vanguard and complaints can be then escalated to his regulatory body, the IPA, via the government gateway. As Ebenegate has places a time limit of 14 days for compliance, I would further suggest that Mr Jackson be asked to respond within, say, 5 working days, before the matter is escalated, so that you might honour the time limits imposed by his administrators.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014