Recurring card payment

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Post by margaret368 » Thu Feb 25, 2021 1:45 pm
I have been paying my IVA by direct debit for 31 months. Recently my management company was changed . They wrote offering me to pay by recurring card payment which I did not as was perfectly happy with DD . They have now told me I must change to recurring card payment within 14 days. Can you tell me off I have to do this ? Thanks


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Post by kallis3 » Thu Feb 25, 2021 2:13 pm
Personally I would not do this and would stick to the DD. I don't think they can make you change it.
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Post by Foggy » Thu Feb 25, 2021 3:57 pm
Your agreement to start the IVA with them was, in part, determined by the fact that you could pay by DD and forms part of the basis you did business with them and they cannot simply force a new payment method on you which you have not agreed to. DD gives you the DD guarantee, recurring card payments do not and recipients can (and have ) take more out of the account than agreed.

If they insist I would take the matter to formal complaint and then to their regulatory body for putting the IVA in jeopardy by their refusal to accept payment in the manner originally agreed.
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IVA Completed 23rd July 2013 .... C.C. 10th January 2014


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Post by lifenoteasy » Fri Feb 26, 2021 9:59 am
Recurring card payments require your consent and cannot be imposed.

To impose it would mean the IVA company seeking to amend the IVA contract - unfortunately IP's seem to forget that if the IVA is regarded as a contract, changes have to be agreed by all parties to it.
IVA started March 2011, Completed March 2016 and certificate issued 11 days after final payment. It was not always easy but then some of the best decisions aren't.
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