Panicking - Payment break advice please...

[RICKI]

Hi again everyone, I really need some advice if there's anyone out there who can help.
We're almost 3yrs into our IVA, all payments have always been made on time, as have our overtime payments etc.
Last night, my husband broke his hand and his company doesn't pay him if he's on the sick from work.He's a manual worker, working in the haulage industry. I'm really panicking. We currently pay £523/month to our IVA payment and £430 to our secured loan. He's going to beg his boss to let him continue to work anywhere within the company so we have money coming in. However, I've suggested today that, if he can't work, we should possibly request a payment break for 1 or 2months.
Our secured loan has payment protection so I'm hoping that it too will be paid if necessary.
Do both of these scenarios seem feasible at all???
I work part-time and bring home approx £1200month - our monthly bills come to £1750. So if the IVA and loan payments were covered, we'd struggle but would survive.
I'm sorry for rambling, I'm just panicking and don't know what to do.
Thanks in anticipation (as always!)
xx

[kallis3]

Hi,

I see no reason why they shouldn't allow you a payment break under these circumstances.

You need to speak to your IP as soon as possible, and also the insurance company for the secured loan.

[MelanieGiles]

I am sure that your IP will agree to a payment break, and I do hope that your hubby's hand mends itself soon.

[Adam Davies]

Hi
I am sure that your IP will grant a payment break under the circumstances.
Will your husband receive statutory sickness pay ?
Regards

[RICKI]

Hi and thanx for all the quick replies. Yes he will receive SSP but I now feel so much better as I know we've a chance of a payment break. I'm really worried but will see what his boss says tomorrow.
I'll let u know and thanx again for takin the time to help me
Xx

[Julie]

Don't be surprised if your hubby can't return to work in any capacity due to insurance issues.

Is there no entitlement for company sick pay at all?

I'm sure your IP will allow a payment break and well done for getting to nearly 3yrs with your IVA. How have you found life in an IVA?

[freelili]

HI

I have been following your story and just wanted to say I really feel for you.

Are you the Erica that used to be so supportive of me when I first joined?

[David Mond]

Let us know if you have any problems with your IP. Good luck from me to.