Problems with an individual voluntary arrangement
This section deals with problems you may encounter when you have an IVA. It covers what to do if you are struggling to pay and how to make a complaint.
Action you can take if a change in circumstances makes it difficult to repay your individual voluntary arrangements. Covers short- and long term problems and payment breaks.
Tells you what to do if you miss one or more payments on your individual voluntary arrangement.
Tells you what to do if creditors are still contacting you about debts covered by your individual voluntary arrangement.
Explains the consequences of early cancellation, which means that the individual voluntary arrangement is considered ‘failed’.
Sets out the steps in making a complaint about the insolvency practitioner dealing with your individual voluntary arrangement.
Tells you how to make a complaint about a debt management company, if you are not happy with their service.