www.iva.co.uk

I know we cant get out of being with the company that is dealing with my husbands IVA, but what happens if you miss 3 or more payments?
Are you then forced into bankruptcy or does it just end and your back to square one, if you are back to square one what is your chances of getting another IVA with a different company?

Say you did start from scratch & the debt to the ex was included, what % would this be as of course as a creditor she would get to vote presumably?

If the debt was included i really dont care what percentage she got, with regards to voting as long as all the others agreed like before then her saying no wouldn't matter.

She could end up with a deciding vote though, which could prevent the IVA being accepted.

I suppose there is a risk of some of them not agreeing though, as one attempt as already failed. I suppose your husband needs to weigh up the risks, plus, you do go back to the start again.

Its not a case of one attempt has failed as it was never included, i doubt she would get the deciding vote as the other creditors are owed much more and plus they all agreed last time, no one said no.

Also if you know it doesn't go back to the start then why ask the question?????

No, you WILL go back to the start again if you fail your IVA.

You will go back to square one with the creditors hounding you and there is always a chance that they wouldn't accept another one so soon.

There's a good chance that the creditors wouldn't be happy at agreeing to another IVA straight away, meaning the ex wife could have a say in the decision.

Mitigating circumstances may allow you to catch up and split the debt.
Speak to your IP

Victoria is having trouble contacting her IP to get this sorted, that is the problem.

We haven't missed any payments, just trying to think of a way of getting out of being with BE.

Failing your iva would be expensive, stressful and risky. It is an option for you, but personally I would try everything else first. Could you and your husband take a day off work and stage a sit-in at the BE offices until your IP sees you. Or write a letter threatening your IP with a formal complaint to his/her regulators if they continue to refuse to speak to you? With such a detailed situation as this a face to face meeting may be better for all concerned...things can get lost in translation over the phone.

Yes agreed. Get writing and send via recorded delivery.