Should I tell creditfix about not paying nursery fees this month?

[Foggy]

It is always advisable to get anything agreed in writing. Yes, there is the possibility that they might have a change of heart, but, more importantly --- they might pass your case on to another firm / IP in the future who would be otherwise unaware of any changes to the original terms or discretionary allowances made and might need to be informed and the altered arrangements proven.

So do you not think the email is proof by itself? Should I get them to write it in a letter? It just puts me on edge as I won’t be paying the nursery fees for the majority of next month as well. I’d rather them just take some of the money off me.

There are degrees of evidence ... a phone call, unless recorded being the least evidential. An email is better, but keep the original mail in a folder on your device. A signed letter, on headed paper is even better, but the larger, anonymous 'IVA factories' will quail at doing this as it takes time and thought, both of which eat into their resources.

An email should suffice --- you just need an audit trail in case agreements made now are forgotten come the next review, or the final review. I would be inclined to tuck the money, or part of it, under the mattress, just in case they ever call for it. At the end of the IVA it will be a useful lump sum for a 'celebratory spend' (probably on paint and wallpaper !) and worth putting up with a lumpy bed !!

[kallis3]

I think an email should be suffice - just print it off.