Got an Iva a so don’t get hassled from creditors but still get hassle from Iva people saying wife has to find work but she has had no luck,can they change rules and take action half way through. She is not on Iva but I agreed to her looking for work which she does but had no luck so now I’m being threatened with other options because of this,. Seem like a vicious circle with only one way out
What exactly does the clause say ? If you have agreed that she would look for work -- and she is looking -- you have complied. They cannot change the rules part way through. You will, however, have to at least keep them in the picture.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
Hi foggy, the agreement was changed from wife must find work to wife must look for work at the start by the Iva company. Now they hassle me every 2 months and last email said they want to discuss my options if there is no change.
My wife is not on Iva and they have taken all her income as in child allowance and tax credit but she has been left with a debt which she has to sort as it was a joint bank account. I have kept up with payment for nearly 3 years now. Can they cancel Iva if wife does not find work if I keep up with payments, she does school run from 08:30 gets back at 10:00 then back out at 14:30 to collect children an gets back at 16:20 so it’s fairly hard to find work suitable. Arghhhh... thought Iva would help not make it more stressful.
They cannot cancel if you are complying with the clause -- i.e. she IS looking. I would argue that the original clause in that she must find work is unreasonable. Considering the time devoted to the school runs and the possible need for childcare, it could, possibly, cost you more than she would earn if she was to find work !
Might I ask your level of debt and your current repayment ? Are you with Payplan ?
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
Foggy wrote:They cannot cancel if you are complying with the clause -- i.e. she IS looking. I would argue that the original clause in that she must find work is unreasonable. Considering the time devoted to the school runs and the possible need for childcare, it could, possibly, cost you more than she would earn if she was to find work !
Might I ask your level of debt and your current repayment ? Are you with Payplan ?
About 28,000 debt at about 90 a month via stepchange
ez wrote:About £28000 at £90 a month via step change
OK -- Stepchange do not usually take the spouses earnings into the IVA payment, but I can see why they have done so here. You are right at the bottom end of a viable payment. However, they cannot force the wife to work and by looking you are doing what was agreed.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
ez wrote:About £28000 at £90 a month via step change
OK -- Stepchange do not usually take the spouses earnings into the IVA payment, but I can see why they have done so here. You are right at the bottom end of a viable payment. However, they cannot force the wife to work and by looking you are doing what was agreed.
Thanks for the help. I have offered to pay a little more but was told no stick to budget plan so I guess I will have to wait for next review
I’m with step change too in an interlocking IVA with my husband.
At the end of our proposal where it lists income and expenditure there is a star next to my name and then it says:
The debtor does not currently work to save on full time childcare costs. The debtor intends to look for part time work once their youngest child starts school.
We have three children and I’m entitled to child benefit.
So yes it is true that I intend to look for work once my youngest is in school but unless that work is term time only then it won’t be an option for us as we can’t pay out child care for 3 children.
Hi, My wife is not on my IVA but one of the agreements at the start was she would seek to find employment but has been unable to find employment due to 3 children at 3 different schools also she never signed anything ,I just agreed she would seek work. Now I’m get hassled every 2 months from my practioner whether she is working and now I’ve been told they will discuss my options if work not found. As they want her to work so they can have more money which is stressing me out and I am doing my best. Can they cancel the Iva if I am paying the agreed payment for any reason ? I even offered extra £10 a month but was told no stick to the budget.....can’t win no matter what I do it seems, beginning to think this Iva was a BIG mistake. All this advertising saying clear your debts ny up to 85% hassle free is rubbish. Sign up do it for 6 years not 5 then remortgage house to pay remainder of debt...how does this help. When the Banks screwed up I (as a tax payer) had to pay more tax to help them out, when politicians screw up and put in false claims for 2nd houses I (as a tax payer ) give them money for them. When I get in debt I’m hounded to the brink of ....... and treated like a criminal
ez wrote:Hi, My wife is not on my IVA but one of the agreements at the start was she would seek to find employment but has been unable to find employment due to 3 children at 3 different schools also she never signed anything ,I just agreed she would seek work. Now I’m get hassled every 2 months from my practioner whether she is working and now I’ve been told they will discuss my options if work not found. As they want her to work so they can have more money which is stressing me out and I am doing my best. Can they cancel the Iva if I am paying the agreed payment for any reason ? I even offered extra £10 a month but was told no stick to the budget.....can’t win no matter what I do it seems, beginning to think this Iva was a BIG mistake. All this advertising saying clear your debts ny up to 85% hassle free is rubbish. Sign up do it for 6 years not 5 then remortgage house to pay remainder of debt...how does this help. When the Banks screwed up I (as a tax payer) had to pay more tax to help them out, when politicians screw up and put in false claims for 2nd houses I (as a tax payer ) give them money for them. When I get in debt I’m hounded to the brink of ....... and treated like a criminal
I have merged these posts because the answers to your earlier post on the same subject will be the same again! Try to step back and take a deep breath. You agreed that she should look for work -- she is looking for work ... end of story. Your IVA provider isn't really hassling you -- they are merely asking how the job search is going. Just tell them she is still looking for work that will pay enough to cover childcare for three children, but has, so far been unsuccessful --- every time they ask, just repeat the same answer.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
ez wrote:Hi, My wife is not on my IVA but one of the agreements at the start was she would seek to find employment but has been unable to find employment due to 3 children at 3 different schools also she never signed anything ,I just agreed she would seek work. Now I’m get hassled every 2 months from my practioner whether she is working and now I’ve been told they will discuss my options if work not found. As they want her to work so they can have more money which is stressing me out and I am doing my best. Can they cancel the Iva if I am paying the agreed payment for any reason ? I even offered extra £10 a month but was told no stick to the budget.....can’t win no matter what I do it seems, beginning to think this Iva was a BIG mistake. All this advertising saying clear your debts ny up to 85% hassle free is rubbish. Sign up do it for 6 years not 5 then remortgage house to pay remainder of debt...how does this help. When the Banks screwed up I (as a tax payer) had to pay more tax to help them out, when politicians screw up and put in false claims for 2nd houses I (as a tax payer ) give them money for them. When I get in debt I’m hounded to the brink of ....... and treated like a criminal
I have merged these posts because the answers to your earlier post on the same subject will be the same again! Try to step back and take a deep breath. You agreed that she should look for work -- she is looking for work ... end of story. Your IVA provider isn't really hassling you -- they are merely asking how the job search is going. Just tell them she is still looking for work that will pay enough to cover childcare for three children, but has, so far been unsuccessful --- every time they ask, just repeat the same answer.
Ok thanks , just seems like getting hassled when they say “if wife not found work in next 2 months they will discuss my options” I didn’t think I would have any as always paid on time . wife a bit protective over 3 girls since son died so she is not keen on strangers looking after our girls , also finds it hard some days , so finding suitable work to coincide with school times is nigh on impossible ....
When the time comes I would tell them that there are no options that need be discussed. Everyone agreed to her looking for work, which she is doing, so the agreement is being complied with. The only real option is to either carry on as is or ask for the condition to be removed.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
Foggy wrote:When the time comes I would tell them that there are no options that need be discussed. Everyone agreed to her looking for work, which she is doing, so the agreement is being complied with. The only real option is to either carry on as is or ask for the condition to be removed.
